分期乐普惠“相信微小梦想”计划获评“新数智新场景先锋系案例”

Core Viewpoint - The "Believe in Small Dreams" initiative by Fenqile, a subsidiary of Lexin (NASDAQ: LX), has been recognized as an excellent case in the 2025 Guangdong banking industry's inclusive finance innovation practices, highlighting its innovative approach in empowering small and micro enterprises through financial technology [1][5]. Group 1: Inclusive Finance and Its Importance - Inclusive finance is crucial for supporting the healthy development of small and micro enterprises and individual businesses, playing a key role in promoting high-quality economic and social development [3][7]. - Small and micro enterprises often face challenges such as financing difficulties and slow financing due to factors like financial irregularities and lack of collateral, which traditional risk control systems view as weak risk-bearing groups [3][7]. Group 2: "Believe in Small Dreams" Initiative - Launched at the end of 2024, the "Believe in Small Dreams" initiative aims to link over 10 billion yuan in funds to support the growth of small and micro enterprises and individual operators in county areas [3][7]. - The initiative utilizes financial technology to address information asymmetry and risk control challenges in small micro financing, establishing a dual risk control and service capability system that integrates online and offline approaches [3][7]. Group 3: Operational Mechanisms and Achievements - Fenqile's online data-driven risk control and offline localized verification mechanisms overcome the shortcomings of incomplete online loan information and expand the service boundaries of regional financial institutions, providing diverse inclusive financial solutions for small and micro enterprises [4][8]. - Over the past year since its launch, the initiative has assisted approximately 600,000 small micro users and injected financial resources into nearly 100 county-level characteristic industrial clusters [4][8]. - The recognition received at the Guangdong banking industry's inclusive finance innovation practice conference validates Fenqile's contributions in utilizing digital intelligence technology and expanding new financial service scenarios for small micro enterprises [4][8].