Core Insights - The company has transformed traditional guarantee services into a connector between the real economy and sustainable development, winning the Golden Bell Award for eight consecutive years [1] - The integration of technology in guarantee services has led to a significant reduction in financing costs and improved approval efficiency for small and micro enterprises [1] - The company’s approach to green finance reveals the importance of balancing social value with commercial sustainability, as demonstrated by differentiated risk models for various scenarios [2] Group 1 - The digital transformation has resulted in an average financing cost reduction of 19% and a 60% improvement in approval time for small and micro clients [1] - The company has segmented green guarantees into 23 scenarios, matching each with tailored risk models, leading to a 470% growth in green financing balance over three years [2] - The company’s embedded consumer protection mechanisms have led to a continuous decline in customer complaint rates over 11 quarters, enhancing its ESG rating to the top of the industry [3] Group 2 - The company’s agricultural loans maintain a non-performing loan rate below 1.2%, with projects generating a job creation ratio of 1:14.3 [3] - The integration of financial tools with industry empowerment has transformed funding support into value creation, as seen in various regional product packages and specialized risk models [2] - The company’s practices indicate a shift in the guarantee industry from being a credit intermediary to a value intermediary, revitalizing this traditional financial sector [3]