AI穿越田野与高原：新网银行如何点亮小微企业的烟火气？

Core Viewpoint - Xinwang Bank has been deeply engaged in digital inclusive finance since its establishment, leveraging advanced financial technology, robust big data risk control, and efficient internet open platform operations to serve small and micro enterprises and support the private economy [1][2][4]. Group 1: Digital Inclusive Finance - The private economy contributes over 50% of tax revenue, 60% of GDP, 70% of technological innovation, 80% of urban employment, and 90% of enterprises in China, highlighting its critical role in national economic development [2]. - Xinwang Bank adheres to the principle of "two onlys": only engaging in businesses that can be risk-controlled through technology and only serving customer segments that mainstream banks cannot adequately serve [2][4]. - The bank's digital credit services have significantly supported rural revitalization, creating a smart financial network that penetrates deeply into the real economy [2][4]. Group 2: Digital Operations and Technology - Xinwang Bank is building a "four horizontal and four vertical" digital operation system, focusing on data asset operation, refined business operation, and efficient decision-making [5]. - The bank has set a "119" digital capability construction goal, aiming for 100% coverage of data collection, 100% implementation of data applications, and 90% self-service data usage among all employees [5][6]. - The integration of digital capabilities into business development has significantly enhanced operational efficiency and decision-making effectiveness [6]. Group 3: AI and Smart Services - Xinwang Bank has developed an AI service platform widely used in various processes, including intelligent customer service, loan management, marketing, and risk control, with daily usage exceeding one million calls [7]. - The bank employs advanced technologies like big data and AI to create a comprehensive resource database, enhancing marketing strategies and risk management [7]. - The bank's digital inclusive financial services have effectively addressed the financing challenges faced by small and micro enterprises, allowing for flexible loan options and efficient risk control [7][10]. Group 4: Reaching Underserved Markets - Xinwang Bank targets "credit white households," a significant group with unmet credit needs, using digital technology to overcome barriers in reaching these customers [8]. - The bank's operations are characterized by a "inclusive supplement" approach, primarily serving clients from lower-tier cities and rural areas who lack sufficient credit history [8][11]. - The bank has issued over 360 million digital inclusive loans, benefiting approximately 40 million new citizens, individual businesses, farmers, and small enterprises across the country [11]. Group 5: Support for Rural Revitalization - Xinwang Bank supports rural tourism projects by analyzing operational data to establish creditworthiness, thus fostering local economic growth [12]. - The bank's financial services have enabled entrepreneurs, such as those in agriculture, to access timely funding without collateral, enhancing their operational efficiency [13]. - The bank's digital financial services are transforming the landscape of rural finance, ensuring that every dream is nurtured through accessible financial support [14]. Group 6: Commitment to Sustainable Development - Xinwang Bank emphasizes green development and has been a pioneer in integrating environmental impact assessments into its operations [16][17]. - The bank has achieved carbon neutrality for its historical operations and continues to disclose its environmental efforts annually [16]. - By exploring standardized and digital pathways for green finance, Xinwang Bank aims to support rural revitalization and sustainable development through differentiated financial support for eco-friendly projects [17].