深化数字金融实践 助力数字重庆建设

Core Viewpoint - The digital transformation of the financial industry is crucial for building a strong financial nation and enhancing China's digital economy advantages, as emphasized in the "14th Five-Year Plan" [1] Group 1: Digital Financial Transformation - Agricultural Bank of China Chongqing Branch is committed to advancing digital transformation by creating a smart financial ecosystem to support the real economy and rural revitalization [1][2] - The bank has implemented a rapid loan approval process, exemplified by a small auto parts company receiving a loan of 1.61 million yuan in just two days through the "Yuhui e-loan" [2][3] - The bank's digital strategy focuses on high-quality development, aligning with Chongqing's "416" technology innovation strategy and providing financial services for modern manufacturing clusters [2][3] Group 2: Business Model Innovation - The bank is shifting from a traditional branch-centric model to a technology-driven online operation, enhancing efficiency in inclusive finance through digital systems [3] - New financial products like "Yuhui e-loan" and "Micro Guarantee e-loan" have been developed to better serve small and micro enterprises, with over 30 billion yuan in loans disbursed to more than 1,500 businesses by September 2025 [3] Group 3: Rural Digitalization - The bank is focusing on digital rural development, collaborating with local governments to gather reliable agricultural data and innovate digital products like "Smart Planting Loan" [4][5] - The implementation of smart farming technologies and financial products is aimed at enhancing the agricultural sector's productivity and risk management [4][5] Group 4: Financial Ecosystem and Services - The bank is building a financial service ecosystem centered around its "Zhangyin" app, integrating various services to enhance user experience and accessibility [5][6] - The bank has launched over 1,743 smart service scenarios, serving 1.5 million customers, and has achieved significant user engagement with over 12 million registered users on the "Zhangyin" app by September 2025 [6] Group 5: Future Outlook - The bank plans to continue leveraging data and technology to enhance its digital financial capabilities, contributing to the development of the digital economy and the construction of a digital Chongqing [7]