百行征信许其捷：发挥双业务资质优势，赋能小微企业

Core Insights - China is actively developing a multi-level credit reporting market to meet the diverse credit needs of society [1] - By 2024, personal credit institutions are expected to provide over 70 billion credit services, while 154 enterprise credit institutions will offer 36.5 billion services [1] - The credit system in China is driven by a "government + market" model, with Baixing Credit being a key player in both personal and enterprise credit services [1] Personal Credit Development - Baixing Credit has established a personal credit system that will include 760 million individuals by October 2025, with 240 million having credit information [2] - The company integrates various data sources, including business and judicial data, to enhance credit assessments for small and micro enterprises [2][3] Enterprise Credit Services - By October 2025, Baixing Credit aims to cover over 1 billion non-credit information subjects, ensuring comprehensive coverage of economic entities [4] - The company has signed service agreements with over 1,000 financial institutions, with a total of over 100 billion calls to various credit products [4] Cross-Border Credit Interconnectivity - Baixing Credit is involved in the pilot program for cross-border credit interconnectivity between mainland China and Hong Kong, facilitating loan activities for businesses and residents [5][6] - The company has successfully launched services that provide credit reports for Hong Kong enterprises seeking financing in mainland China [5] Data Security and Compliance - Baixing Credit emphasizes data security and compliance, adhering to personal information protection laws and enhancing customer service agreements [7] - The company has implemented a management system based on the principle of "my data, I control," ensuring rigorous data handling and monitoring [7] Future Plans and Strategic Focus - Looking ahead to the "14th Five-Year Plan," Baixing Credit aims to support inclusive finance and enhance the national credit system [8][9] - The company plans to innovate in financial services, focusing on green finance, digital finance, and international business expansion [9]