探索具有陵城特色 数字普惠金融发展之路

Core Viewpoint - Shandong Lingcheng Rural Commercial Bank is focusing on its core responsibilities and actively responding to provincial strategic deployments by leveraging digital empowerment and enhancing inclusive finance efficiency through its "Huidi e-loan" digital credit platform [1][2] Group 1: Digital Transformation and Product Development - The bank has launched the "Ma Shang Dai" product, achieving significant upgrades in product design, risk control models, customer operations, and process restructuring, transitioning from "online" to "digital + intelligent" [2] - The "Ma Shang Dai" system utilizes a comprehensive online model management system that integrates 19 data dimensions for credit assessment, allowing for loan approvals under 200,000 yuan to be completed in just 3 minutes, improving efficiency by over 80% compared to traditional processes [2][3] - The bank has implemented a paperless process, allowing customers to complete the entire loan application online, saving approximately 15 pages of paper per loan and reducing the average number of visits to bank branches by 2 [3] Group 2: Inclusive Finance and Customer Engagement - The bank has conducted "no-sense credit" assessments for 37,800 customers, with a total credit limit of 396 million yuan, increasing the effective coverage rate of inclusive finance by 0.47 percentage points compared to the previous year [3] - The bank's mobile business model has enabled a "7×24 hours" service network, allowing loan applications even during holidays or at night, with over 43% of loans now coming from mobile platforms, an increase of 14.2 percentage points since the beginning of the year [4] - The digital platform has significantly lowered customer acquisition barriers and service costs, activating a large number of previously inactive customers, with 44.3% of credit customers being under 35 years old [5][6] Group 3: Risk Management and Operational Efficiency - The digital system has enhanced risk identification and post-loan monitoring capabilities, with a non-site post-loan monitoring rate of 76.34%, leading to a reduction in non-performing loans since the beginning of the year [6] - The bank has established a comprehensive system for online business authorization, post-loan responsibility identification, data compliance, and risk control interventions to ensure compliance and stability in rapid loan approvals [7] - The bank is integrating financial services with agricultural supply chains and rural governance, developing targeted credit solutions for key agricultural activities, thereby embedding digital inclusive finance into various production and living scenarios [7]