Core Viewpoint - The article emphasizes the significant growth and transformation of inclusive finance in China over the past 20 years, highlighting Beijing Bank's proactive role in this sector, particularly through digital transformation and AI integration in financial services [1][4][6]. Group 1: Development of Inclusive Finance - The concept of "inclusive finance" was first proposed by the United Nations in 2005, and it has seen substantial growth in China, both in scale and service quality [1]. - Since 2022, Beijing Bank has achieved an average annual growth rate of 34.3% in its inclusive finance loan balance, showcasing its commitment to supporting small and medium-sized enterprises (SMEs) [1]. - Beijing Bank has positioned inclusive finance as a long-term strategic focus, aiming to provide differentiated and specialized services [1][7]. Group 2: Digital Transformation Initiatives - In November 2022, Beijing Bank launched the upgraded version 2.0 of its exclusive inclusive finance app "Xiao Juren," marking a new phase in its digital transformation [3]. - The bank's digital transformation is characterized by the integration of AI technologies, transitioning from "digital" to "intelligent" finance, which is seen as an inevitable trend [4][6]. - The introduction of "Linghang AI Loan," an AI-driven credit product for specialized and innovative enterprises, exemplifies the bank's commitment to leveraging AI for enhanced financial services [5]. Group 3: Structural and Mechanism Innovations - Beijing Bank has established a comprehensive organizational structure to support its inclusive finance strategy, with dedicated teams at the headquarters and branches [10]. - The bank has implemented a financing coordination mechanism and strengthened internal incentive systems to enhance the effectiveness of its inclusive finance initiatives [11]. - The bank's product innovation has led to a diverse range of inclusive finance products, including online renewal loans that support a seamless application process [11]. Group 4: Support for Small and Micro Enterprises - Beijing Bank has provided over 1.2 trillion yuan in credit to 50,000 technology-based SMEs, demonstrating its focus on enhancing the financial capabilities of this sector [7]. - As of mid-2025, the bank's inclusive loans to small and micro enterprises reached 261.6 billion yuan, reflecting a growth rate of 17.27% [11]. Group 5: Integration with Technology and Innovation - The bank has successfully combined inclusive finance with technology-driven financial solutions, breaking traditional credit assessment models to better serve innovative SMEs [13]. - A notable case involved the evaluation of a small enterprise's data assets, allowing for credit approval based on intangible assets, showcasing the bank's innovative approach [13]. Group 6: Contribution to Rural Revitalization - Beyond SMEs, inclusive finance plays a crucial role in poverty alleviation and rural revitalization, providing financial services to underserved regions [17]. - Beijing Bank actively participates in rural revitalization efforts, including funding key projects in various regions to support local economic development [18].

Core Viewpoint - The development of inclusive finance in China has significantly progressed over the past 20 years, with Beijing Bank playing a pivotal role in this transformation by enhancing its inclusive finance strategies and services [1][5]. Group 1: Growth and Strategy - Since 2022, Beijing Bank's inclusive finance loan balance has increased at an average annual rate of 34.3%, showcasing its commitment to supporting small and medium-sized enterprises (SMEs) [1]. - The bank has established a differentiated operational path in inclusive finance, focusing on long-term service to SMEs and enhancing service quality and efficiency [1][5]. - As of mid-2025, the inclusive loans for small and micro enterprises reached 261.6 billion yuan, reflecting a growth of 38.5 billion yuan and a growth rate of 17.3% [9]. Group 2: Digital Transformation - The launch of the upgraded "Xiao Juren" app in November 2022 marks the beginning of Beijing Bank's digital transformation in the inclusive finance sector [2]. - The bank's "Linghang AI Loan," designed for specialized and innovative enterprises, integrates AI technology to assess creditworthiness based on real-time data inputs [3]. - The "Zhituo ehe" intelligent investment banking ecosystem, which utilizes AI for data-driven matching and communication, has successfully facilitated projects for over 100 clients, with more than 50% being technology companies [3]. Group 3: Structural and Mechanism Development - Beijing Bank has established a comprehensive organizational structure for inclusive finance, with dedicated teams at the headquarters and branches to ensure effective implementation [8]. - The bank has developed a financing coordination mechanism and enhanced internal incentive systems to support its inclusive finance strategy [8]. - The integration of architecture, mechanisms, and product innovation is essential for the rapid development of inclusive finance at Beijing Bank [8]. Group 4: Social Impact and Rural Revitalization - Inclusive finance plays a crucial role in supporting the development of small and micro enterprises, which are vital for economic resilience and social stability [7]. - Beijing Bank actively participates in rural revitalization efforts, providing financial support to key projects in regions like Xinjiang and Inner Mongolia, thereby enhancing local economic development [13][14]. - The bank's initiatives include sending teams to assist in targeted poverty alleviation and rural development projects, demonstrating its commitment to social responsibility [13].