21专访｜微众信科王锦胤：从数据“深挖”到场景“深入”

Core Insights - Credit reporting is becoming a key tool to address the financing difficulties faced by small and medium-sized enterprises (SMEs) in China, particularly in Shenzhen, where there is a high demand for financing solutions [1][4] - The 2025 credit work conference emphasizes increasing support for key areas such as technological innovation, inclusive finance for small and micro enterprises, and green development [1][4] - The integration of credit data helps bridge the information asymmetry between fund providers and demanders, which is crucial for determining the feasibility, cost, and efficiency of financing [1][4] Group 1: Importance of Credit Data - Credit data is essential for solving the information asymmetry problem in financing activities, which affects repayment capability and willingness [1][4] - Shenzhen's unique economic landscape, with a large number of SMEs and tech companies, creates a significant market for credit reporting services [1][4] Group 2: Company Strategies and Innovations - The company has focused on leveraging tax-related operational data to provide horizontal credit financing services, and is now expanding into vertical fields based on transaction data [4][5] - The company is enhancing its fraud detection capabilities using AI technologies, significantly improving the accuracy of processing unstructured data from 80% to 98% [5] Group 3: Supply Chain Finance - The shift towards "decoupling" in supply chain finance is being explored by the company, which aims to provide services without relying solely on core enterprises [7][8] - The company has developed a model that integrates industry, supply chain, and equity relationships, allowing for better risk management and customer identification [7] Group 4: Industry-Specific Financing Needs - The e-commerce sector shows strong credit demand and manageable risks, with the company utilizing marketing service fees and transaction data to assess creditworthiness [8] - The cross-border logistics sector is also a focus area, with the company analyzing operational data to support banks in providing credit [8] Group 5: Future Growth Directions - The company identifies four main growth areas: deepening core business, exploring B2C marketing, expanding small asset disposal services, and extending into enterprise services [12] - Plans for B2C business include creating an enterprise information search engine and offering reverse background check services for job seekers [12]