从服务到赋能：中信百信银行的普惠金融进阶之路

Core Insights - The article highlights the evolution of inclusive finance from merely existing to providing quality services, while addressing ongoing challenges such as uneven coverage, low service efficiency, and mismatched supply and demand [1][2] Group 1: Industry Challenges - The inclusive finance sector faces structural imbalances, with traditional financial institutions struggling to reach small and micro enterprises and new citizens due to operational costs and risk management constraints [2] - Long-tail inclusive customer groups often encounter difficulties in financing and service access due to a lack of collateral, credit history, and data [2] Group 2: Company Initiatives - Citic Baixin Bank, as a state-controlled digital bank, aims to fill the gaps in the inclusive finance service system by focusing on unmet financial needs [2] - The bank's brand campaign emphasizes three representative groups: young people seeking homes, small business owners needing capital, and middle-class families planning wealth [2] - By June 2025, Citic Baixin Bank had served over 100 million users, with new citizens making up more than half of this number, and its inclusive small and micro loans reached 12.703 billion yuan, a 39.58% increase from the beginning of the year [2] Group 3: Technological Innovations - The bank has fundamentally transformed the logic of inclusive finance through digital technology, shifting from "people seeking money" to "money adapting to people" [3] - Citic Baixin Bank leverages technologies such as AI, big data, and cloud computing to create a digital banking model that is agile, intelligent, and secure [4] - The "Bai Lian System" enhances financing efficiency by using digital credit to reshape assessment systems, achieving a 65% increase in approval efficiency and enabling minute-level loan disbursement in certain scenarios [4] Group 4: Risk Management and Customer Experience - The bank employs the "Bai Xin Fen" and "ModelOps System" for risk management, improving the efficiency of risk model iteration by 160% and expanding the risk management radius [4] - The "Lingxi" intelligent assistant covers 80% of customer service scenarios, allowing users to complete transactions through simple commands, thus enhancing service experience [5] Group 5: Systemic Approach to Inclusive Finance - The successful implementation of high-quality inclusive finance services relies on a systemic capability that combines scene cultivation, technological iteration, and ecological collaboration, rather than solely on policy guidance or product stacking [6]