Core Insights - The "泉融e贷" project won first place in the financial services track of the 2025 "Data Element X" Shandong division finals, showcasing Jinan Industrial Bank's leading capabilities in data-driven inclusive finance [1][2] - The project addresses the financing difficulties faced by small and micro enterprises by integrating various government data sources to create a new credit assessment model [1] - The use of advanced technologies such as big data and cloud computing has enabled precise pre-approval for 1.14 million market entities in Jinan, significantly improving financing accessibility [1] Group 1 - The "泉融e贷" project achieved a score of 89.2, outperforming 30 competing financial institutions [1] - The project leverages Jinan's comprehensive financing service platform "泉融通" to overcome traditional credit assessment challenges [1] - The innovative practices of the project provide a replicable model for financial services aimed at small and micro enterprises, aligning with the core goal of the "Data Element X" competition [1] Group 2 - The project combines regional data model advantages with standardized risk control models from the parent bank, laying a solid foundation for future applications [2] - Future expansions of the credit assessment model will target key sectors such as agriculture and technology innovation, exploring deeper integration of data elements with the real economy [2] - The award signifies a significant step for Jinan Industrial Bank in applying data elements and innovating inclusive finance, offering valuable insights for financial technology development at both provincial and national levels [2]