Jin Rong Shi Bao·2026-02-11 01:43Core Viewpoint - The article discusses the challenges of inclusive finance, particularly in financing small and micro enterprises, and highlights how China CITIC Bank is addressing these challenges through innovative digital platforms and services [1][2]. Group 1: Challenges in Inclusive Finance - Inclusive finance, especially for small and micro enterprises, is described as a "global" challenge due to their unique financial needs characterized by "short, small, frequent, urgent, and scattered" demands [1]. - Commercial banks face a "trilemma" in inclusive finance, struggling to balance service scalability, risk control, and commercial sustainability [1]. Group 2: China CITIC Bank's Approach - China CITIC Bank is committed to serving the real economy and has established three digital platforms: "Product Innovation Factory, Intelligent Risk Control Platform, and Digital Operation System" [1]. - The bank employs a three-step approach of "online, data-driven, and intelligent" to create a sustainable inclusive finance model, enhancing the financial accessibility for small and micro enterprises [1]. Group 3: Product Innovation - The Product Innovation Factory redefines the supply model for inclusive products, utilizing standardized production lines for credit, collateral, and pledge, resulting in a "credit factory" that allows for customizable and scenario-based product assembly [1]. - The bank has developed over 20 effective online products across five major series, including housing, supply chain, government, innovation, and internet [1]. Group 4: Intelligent Risk Control - The Intelligent Risk Control Platform enhances business management through a comprehensive data-driven approach, integrating internal and external data and employing AI and machine learning for risk management [2]. - A unique full-link automated machine learning model has been created, improving client profiling and early warning efficiency, thus providing precise support for risk strategy adjustments [2]. Group 5: Digital Operation System - The Digital Operation System combines various digital technologies to create personalized marketing services, significantly improving service efficiency and customer experience [2]. - The bank has introduced an AI digital customer manager and a panoramic business dashboard, enhancing agile operational capabilities [2]. Group 6: Financial Performance and Future Plans - By the end of 2025, China CITIC Bank aims for a small and micro enterprise loan balance of 1.79 trillion yuan and an inclusive finance loan balance of 644.3 billion yuan, with a client base of 314,000 [3]. - The bank has seen a 22-fold increase in corporate loan balances and a 24-fold increase in clients over seven years, maintaining a leading position in the industry [3]. - China CITIC Bank plans to continue optimizing its "CITIC solution" to further empower high-quality development of the real economy [3].