成立近30年来，民生银行（600016）始终秉持"服务大众，情系民生"使命，坚持以客户为中心，探索创 新金融服务模式，持续为小微企业发展注入动力。 在经济蓬勃发展的脉络中，无数小微企业如同不可或缺的"毛细血管"，为实体经济的肌体输送着养分与 活力。然而，融资难、融资慢，始终是这些小微企业发展中可能遇到的共性瓶颈。尤其是在产业链下 游，那些轻资产、快周转的经销商们，常常面临"订单易得、资金难求"的烦恼。 机遇在眼前，资金却成"拦路虎" "近年来，高端医疗设备市场需求旺盛，厂家要求现款现货，但下游医院的回款周期长，我们的资金链 始终绷得很紧。"谈及经营压力，上海市浦东新区某品牌医疗器械经销商李先生深有感触。他代理的产 品是市场上的"硬通货"，产品竞争力强，下游需求稳定，但备货资金占用巨大，这成了他扩大经营规 模、服务更多医疗机构的最大困扰。 针对不同行业的特性，"脱核快贷"模式会给出差异化、场景化的授信风控模型：对于医疗器械经销商， 风控模型会重点关注采购设备的资质有效性、市场流通速度以及与医疗机构的合作稳定性；对于家装涂 料经销商，则侧重考察其代理品牌的认可度、下游业务稳定性及季节性销售规律；对于造纸行业经销 ...

Core Viewpoint - The financial industry is undergoing a transformative change driven by digitalization, necessitating collaboration among government, industry, academia, and research to enhance the self-controllable capabilities of financial technology and financial information services [1][2]. Group 1: Collaboration and Objectives - A memorandum of cooperation was signed among China Economic Information Service, Renmin University of China, and China Electronics Cloud Computing Technology Co., focusing on building a comprehensive platform that integrates data, intelligence, and technology to support the construction of a strong financial nation [1][2]. - The collaboration aims to cultivate a new generation of financial talents who understand both Chinese national conditions and possess a global perspective, combining authoritative data resources, cutting-edge technology capabilities, and top-tier educational resources [2]. - The partnership will address critical challenges in the financial sector, leveraging academic research strengths and corporate engineering capabilities to tackle issues such as data security and financial risk prevention [2][3]. Group 2: Technological Development and Innovation - The three parties will jointly develop financial big data analysis and intelligent risk control models, utilizing the laboratory's flexible mechanisms to create innovative products like the professional terminal of Xinhua Finance [2]. - The initiative aims to strengthen the application of domestic digital infrastructure in the financial industry, promoting technological breakthroughs and the transformation of research outcomes into practical applications [3].