Core Viewpoint - The company, Ping An Rongyi, is actively implementing a multi-faceted approach to empower small and micro enterprises, particularly in rural areas, by leveraging its "AI + O2O" model to provide efficient financial services and support agricultural development [2][4]. Group 1: Service Model Transformation - Ping An Rongyi has shifted from a passive "sitting merchant" model to an active "walking merchant" approach, establishing an O2O service network that integrates online and offline services [3]. - The company has developed a specialized team of senior customer managers who engage directly with small and micro clients in key regions, offering face-to-face, full lifecycle financing advisory services [3]. - A case study of a cattle farmer in Shandong illustrates the effectiveness of this model, where the company provided 500,000 yuan in financing based on accounts receivable, resulting in a 50% increase in production capacity and nearly 30% growth in income [3]. Group 2: Agricultural Empowerment - The company is aligning its services with the national "Rural Revitalization" strategy, offering comprehensive support throughout the agricultural supply chain, including product procurement and online sales platform development [4]. - During the "Chinese Farmers' Harvest Festival," Ping An Rongyi engaged in community support activities, such as donating educational materials and establishing long-term procurement mechanisms for over 5,000 farmers [5]. - The "Three Agriculture Protection Plan" combines efficient financial services with marketing support, helping 480,000 agricultural micro-enterprise owners secure over 60 billion yuan in funding by June 2025 [5]. Group 3: Technological Integration - The company emphasizes technology as a core driver, promoting full-process digitalization and intelligence to enhance the efficiency and accessibility of financing for small and micro enterprises [6]. - A unique "human + enterprise" intelligent risk control model has been developed, utilizing over 6,000 risk factors to assess creditworthiness and reduce financing costs [6]. - The AI-driven loan application system has simplified the borrowing process, allowing 95% of small micro clients to receive funds within 1.3 hours, addressing their urgent financial needs [7]. Group 4: Future Outlook - Ping An Rongyi aims to continue its dual-driven strategy of deep offline service and advanced online technology to create a resilient "AI + O2O" service ecosystem [9]. - The company is committed to supporting small and micro enterprises through economic cycles, contributing to high-quality development in the modernized economy of China [9].