锚定科技创新 地方金融机构探索转型发展新路径

Core Viewpoint - The 14th China New Financial Institutions Cooperation and Exchange Conference focused on "Technology + Green + Digital: New Pathways for Local Financial Transformation," emphasizing the role of technological innovation in driving high-quality development in the financial sector [1]. Group 1: Technological Innovation in Financial Services - Jiangxi Rural Commercial Bank is implementing a technology-driven strategy, utilizing big data, "Internet+", and AI to create a service system that integrates finance with agriculture, launching products like "Huinong Yidai" and "Chuangye E-dai," with a projected digital loan balance of 13.058 billion yuan by the end of 2024 [1]. - Chongqing Three Gorges Bank's "Living Wisdom Loan" uses biometric technology to convert livestock into digital assets, with related loan balances expected to exceed 70 million yuan by the end of 2024, showcasing technology's ability to reshape agricultural production factors [1]. Group 2: Financial Product Innovation - Guangxi Pingnan Guiyin Village Bank has introduced fully online financial products such as "Guiyin Tax Loan" and "Business Flow Loan," achieving an online loan balance of 19.83 million yuan by the end of May, supporting 196 borrowers [2]. - Guangxi Rural Commercial Bank is developing a hybrid intelligent architecture combining large and small models, enhancing product development to improve the precision, stability, and compliance of financial services [2]. Group 3: Supply Chain Finance and Digital Transformation - Jiangsu Jiangyin Rural Commercial Bank is leveraging supply chain finance to address the financing challenges faced by small and micro enterprises, achieving a loan balance of 575 million yuan by the end of May, establishing a data-driven and innovative product development model [3]. - Shanxi Yuncheng Rural Commercial Bank is enhancing its "Technology + Finance" integration, optimizing a service system that is fully online and data-driven, with the "Code Bank" system improving the management of small loans [3]. Group 4: Support for Rural Revitalization - Guangxi Nanning Wuming District Rural Credit Cooperative is exploring a "Technology-Industry-Finance" cycle, creating an ecosystem supported by government guidance, financial support, and enterprise innovation, with technology loan balances growing 3.2 times over three years, benefiting over 200 enterprises [4]. - The application of artificial intelligence in finance is increasing, with regulatory bodies emphasizing the need for trustworthy digital financial innovations, focusing on the alignment of algorithms with practical scenarios [4].