微众银行以数字科技之长服务小微企业成长，助力实体经济高质量发展

Core Viewpoint - High-quality development is the primary task for building a modern socialist country and a modern economic system, with innovation as the first driving force for development [1] Group 1: Financial Services for SMEs - WeBank's "Micro Business Loan" has established a long-term mechanism for serving small and micro enterprises since its launch in 2017, utilizing digital big data risk control, precise marketing, and refined operations [2] - By the end of 2022, WeBank's Micro Business Loan had served over 340,000 small and micro market entities across 30 provinces, with a total credit amount exceeding 1.1 trillion yuan [2] - Over 70% of the clients in the Micro Business Loan program have annual revenues below 10 million yuan, demonstrating effective service to the grassroots economy [2] Group 2: First-Time Borrowers - The number of first-time borrowers is a key indicator of the effectiveness of inclusive financial services, with over 50% of WeBank's credit clients being "credit white households" with no prior loan records [3] - In 2022, WeBank added 62,000 new small and micro enterprise first-time borrowers, accounting for 70% of the total in Shenzhen, indicating a stable growth in financial service expansion [3] Group 3: Innovation and Support for Key Industries - WeBank focuses on innovation-driven development strategies, particularly through its Micro Business Loan for technology-driven small and micro enterprises, enhancing support for strategic emerging industries [4] - By the end of 2022, WeBank's technology finance had issued over 180 billion yuan in credit, with nearly 23,000 technology enterprises applying, representing 15% of the total in their regions [4] Group 4: Government Collaboration and Financial Support - WeBank has collaborated with local governments to innovate financing guarantee services, reducing financing costs for enterprises, with a total credit limit exceeding 24 billion yuan by the end of 2022 [5] - The bank has launched a series of tailored services for technology enterprises, including policy matching, interest subsidy applications, and talent services, to support their full lifecycle needs [5] Group 5: Digital Transformation and Comprehensive Services - WeBank is committed to providing high-quality digital services for small and micro enterprises, creating a comprehensive business service ecosystem through its "WeBank Enterprise+" platform [7] - The platform has registered over 2 million enterprises, offering a range of financial and non-financial services, including marketing support to enhance visibility and resource channels for small businesses [7] Group 6: Future Directions - In the new year, WeBank aims to continue its commitment to serving the real economy, leveraging its digital banking strengths to support the high-quality development of private small and micro enterprises [8]