专访交通银行普惠金融事业部华勐慧：银行数字化风控的普惠新实践

Core Viewpoint - The "15th Five-Year Plan" emphasizes the development of inclusive finance, focusing on technology finance, green finance, and digital finance, while addressing the challenges of achieving accessibility, risk control, and financing costs in serving the inclusive finance sector [1][4]. Group 1: Development of Inclusive Finance - The "15th Five-Year Plan" highlights the need for a multi-faceted investment approach to enhance rural revitalization and inclusive finance [1]. - The transition of inclusive finance from broad coverage to precision and high-quality development is crucial [1]. - The persistent "impossible triangle" in inclusive finance presents challenges in balancing credit accessibility, risk control, and financing costs [1]. Group 2: Digital Risk Control System - The digital risk control system has significantly improved the accessibility and convenience of inclusive finance services, particularly for small and micro enterprises [4]. - The compound annual growth rate of inclusive loans for small and micro enterprises at the bank has exceeded 20%, with good asset quality maintained [4]. - The bank has established a digitalized, intelligent risk control system that integrates various data sources to enhance credit risk management [6]. Group 3: Components of Digital Risk Control - Data governance involves breaking down data silos and creating comprehensive customer profiles through the integration of internal and external data [6]. - Model construction utilizes AI algorithms to quantify risks and enhance risk prediction capabilities, supporting various stages of the lending process [7]. - Strategy application focuses on lifecycle management, with automated decision-making and risk alerts covering nearly 90% of overdue customer risk warnings [8]. Group 4: Measures for Small and Micro Enterprises - The bank employs a dual approach of product innovation and policy support to enhance financing accessibility for small and micro enterprises [9]. - The introduction of the "Science and Technology Innovation Knowledge Property Loan" allows for credit assessments based on intellectual property rather than physical collateral [9]. - The proactive renewal mechanism ensures seamless transitions for loans nearing maturity, enhancing service quality for enterprises [10][11]. Group 5: Proactive Credit Granting - The proactive credit granting service leverages digital technology to streamline the financing process for small and micro enterprises [11]. - The service significantly improves efficiency by allowing pre-approved credit limits to be offered directly to clients [12]. - The use of data-driven credit evaluations helps to alleviate traditional financing challenges faced by small enterprises [13]. Group 6: AI Integration in Risk Control - The bank is integrating AI technologies to enhance the efficiency and effectiveness of its inclusive finance risk control systems [14]. - AI assistants are being developed for credit strategy optimization, report generation, and post-loan management, improving overall risk assessment capabilities [15][16].