深圳中科云信息技术有限公司(以下简称"中科云")创始人龚文斌对公司第一笔海外订单至今记忆犹新： 一位加拿大学生花了两倍于产品本身的费用——其中快递费和报关费已超过产品价格，只为将中科云的 国产迷你主机带回学校研究。"我当时特别开心，感觉迎来了产品走向海外的起点。" 这份希冀和喜悦的背后，却隐藏着小微企业出海的共同难题：兵马未动粮草先行，出海资金筹集问题首 当其冲。这类企业往往缺乏可作为有效抵押物的海外资产，难以从传统渠道获得融资支持。 当"走出去"的渴望遇上"融不到"的困境，如何打破融资难的"玻璃门"，成为影响小微企业出海成败的关 键因素之一。 出海：是刻在名字里的使命 转机，出现在富融银行"出海贷"的落地。2024年5月，深港跨境数据验证平台上线，该平台基于微众银 行提出的分布式数据传输协议理念及牵头研发的国产开源区块链底层平台FISCO BCOS进行开发，为深 港两地机构提供数据凭证的可信验证服务。富融银行通过该平台对中科云自主授权的信用信息进行跨境 验证，为其香港关联企业提供了无需抵押、无需财务报表、无手续费的约270万港币贷款支持。 "从没想过香港银行会给我们贷款。以前100万的资金只能做100万的生 ...

在《关于加强商业银行互联网助贷业务管理提升金融服务质效的通知》即将实施之际（10月 1日），多家在华外资银行公布了互联网贷款合作机构名单。 据不完全统计，截至目前，富邦华一银行、韩亚银行（中国）、开泰银行（中国）、国民银 行（中国）、东亚银行（中国）、南洋商业银行（中国）、渣打银行（中国）、友利银行 （中国）等多家外资银行均揭晓了网贷合作机构。其中，富邦华一银行披露的数量最多，达 52家，涉及微众银行、新网银行等银行机构，亦涉及海尔消金等消金公司。另外，渣打银行 （中国）等在公布合作机构的同时也披露了合作产品，比如其与微众银行合作"微业贷"等。 近年来，在华经营的外资银行正在探寻业务转型方向，在此过程中，对公业务俨然成为重点 发力对象，对比而言，部分外资银行已经停止在中国内地做个人业务。 多家外资行公布网贷合作机构，涉微众银行、海尔消金等 助贷新规即将实施之际，多家在华经营的外资银行在官网公布了互联网贷款合作机构名单。 整体来看，上述外资行合作机构多涉及蚂蚁、微众银行、海尔消金等平台。 | 外资银行 | 合作机构数量 | 合作机构/产品名称 | | --- | --- | --- | | ■邦华一银行 | 5 ...

Group 1 - The core viewpoint of the articles emphasizes the need for enhanced financial consumer protection education for small and micro enterprises to combat illegal loan intermediaries that disrupt financial market order [1][3][6] - Micro enterprises play a crucial role in China's private economy, contributing to employment, economic growth, and market innovation [3] - The financial environment for small and micro enterprises has improved, with increased access to financing due to government initiatives and financial institutions' support [3][4] Group 2 - Micro enterprises are facing threats from illegal loan intermediaries that exploit their urgent financing needs, leading to fraud and disruption of normal financial order [3][4] - To combat these threats, WeBank has developed a prevention concept encapsulated in "ear sharp, eyes clear, heart steady," aimed at enhancing the ability of small enterprises to identify and resist fraud [3][6] - WeBank has organized various online and offline activities, including the production of anti-fraud videos and interactive exhibitions, to raise awareness and educate small business owners about financial safety [1][4][6] Group 3 - WeBank's micro loan product, "Weiyedai," has attracted 6 million applications, showcasing its effectiveness in providing convenient and efficient financing services to small enterprises [4] - The bank has conducted offline promotional activities in key areas of Shenzhen, enhancing communication between digital finance and small business owners [4][6] - A collaborative approach involving WeBank, local police, and media aims to transition from isolated efforts to a systematic governance model for combating illegal loan intermediaries [6]

Core Viewpoint - Foreign banks are quietly entering the Chinese consumer loan market, revealing their localization strategies through recent disclosures of internet loan partnerships [1][2]. Regulatory Changes - The new regulations on internet lending, effective from October 1, 2025, are prompting foreign banks to disclose their internet loan partners, reflecting a strategic shift in response to regulatory compliance [2][8]. Strategic Partnerships - Several foreign banks, including Hana Bank and Standard Chartered, have announced partnerships with various platforms for internet loans, indicating a clear strategic layout in the consumer credit market [3][4]. - Fubon Bank has the most diverse partnerships, collaborating with 52 institutions, including banks, consumer finance companies, and tech firms, showcasing a comprehensive ecosystem approach [4]. Diverse Business Models - The cooperation models among foreign banks are varied, including pure referral models, joint lending with shared risks, and guarantee enhancement services, reflecting differentiated strategies based on risk preferences [6][9]. - Major platforms like Ant Group and WeBank frequently appear in partnerships, indicating a preference for established players to enhance competitiveness and stability [6]. Challenges and Opportunities - Foreign banks face dual challenges in the Chinese market: high compliance costs and competition from local platforms that dominate customer acquisition [7]. - The new regulations present both challenges and opportunities, as they require banks to manage partnerships more carefully and focus on compliance to maintain reputation and asset quality [8][9].

Core Viewpoint - The article highlights the significant transformation of Shenzhen into a global financial hub over 45 years, emphasizing the role of financial innovation and digital banking, particularly through the example of WeBank, which aims to provide inclusive financial services through technology [1][2][3]. Group 1: Shenzhen's Financial Evolution - Shenzhen has evolved from a fishing village to an international metropolis, driven by reform and innovation [1]. - The city has become a pioneer in financial reform, with substantial policy support from the government to enhance its financial sector [1]. - WeBank, as a product of this financial innovation, embodies Shenzhen's spirit of openness and innovation [2][3]. Group 2: WeBank's Technological Innovations - WeBank, established in December 2014, is China's first private and digital bank, focusing on serving small and micro enterprises and the general public [3][4]. - The bank has maintained over 50% of its workforce in technology roles and has consistently invested a significant portion of its revenue in IT, positioning itself as a leader in global banking technology [4][6]. - WeBank's distributed architecture, Openhive, supports a flexible and scalable banking system, enabling rapid innovation and high availability [6][7]. Group 3: Achievements in Digital Finance - WeBank has achieved a peak transaction volume of over 1.4 billion daily transactions, demonstrating its robust system capabilities [8]. - The bank's products have a service availability rate exceeding 99.999%, providing near-zero interruption in financial services [8]. - WeBank has served over 420 million individual customers and more than 600,000 small and micro enterprises, showcasing its commitment to inclusive finance [9]. Group 4: Contributions to Industry and Ecosystem - WeBank actively participates in open-source projects, having initiated 38 projects and developed a significant community around AI and blockchain technologies [11]. - The bank has facilitated cross-border data verification platforms in the Guangdong-Hong Kong-Macao Greater Bay Area, enhancing data flow and financial services [12]. - WeBank is transitioning towards becoming an "AI-native bank," leveraging advancements in AI to transform its operations and service delivery [14][15]. Group 5: Future Directions - The bank aims to integrate deeply with Shenzhen's ongoing reform and innovation initiatives, focusing on providing high-quality financial services to the public and small businesses [16]. - WeBank is committed to continuous technological advancements and aims to lead the digital finance sector in the coming years [16].

Core Viewpoint - The transformation of Qianhai from a manufacturing hub to a global innovation center is driven by technological innovation, with the service industry playing a crucial role in reshaping the value chain of "intelligent manufacturing" [1][3]. Group 1: Economic Development in Qianhai - Qianhai has seen significant growth since its establishment in 2010, with actual foreign investment reaching 26.65 billion yuan, fixed asset investment at 169.1 billion yuan, and tax revenue at 89.2 billion yuan, marking increases of 117 times, 93 times, and 171 times respectively since its inception [4]. - The modern service industry is the backbone of Qianhai's economy, contributing 95.26 billion yuan in value added in the first half of the year, a year-on-year growth of 8.6%, accounting for 84% of the service industry and 65.5% of GDP [4]. Group 2: Technological Service Industry - The role of the technology service industry has evolved from being a support function to becoming a central value driver in the industrial chain, with some companies now viewing it as a significant profit growth area [6][11]. - A plan was launched to enhance the quality of the technology service industry in Qianhai, aiming to increase the number of high-level R&D centers to over 100 and foreign investment proportion to over 30% by the end of 2027 [7]. Group 3: Financial Services and Innovation - Qianhai is positioned as a key area for financial services innovation, focusing on emerging financial sectors, cross-border finance, and technology finance, with initiatives like "Tech Startup Pass" providing credit services to over 4,100 enterprises [14][15]. - The Hong Kong Stock Exchange has become a major platform for IPOs, with Qianhai facilitating connections for companies seeking to list in Hong Kong, enhancing cross-border financial cooperation [15][16]. Group 4: Legal and Professional Services - Qianhai has established itself as a hub for legal services, with the Shenzhen International Arbitration Court handling disputes amounting to 142.3 billion yuan, ranking among the top three globally [19]. - The "Shenzhen·Qianhai Outbound E-Station" platform integrates various public services for outbound enterprises, having served over 800 companies and establishing partnerships with 40 overseas park operators [19].

Core Insights - Shenzhen Special Economic Zone (SEZ) has marked its 45th anniversary, showcasing a history of innovation and reform that has positioned it as a global innovation hub [1][3] - WeBank, as China's first private and digital bank, exemplifies the financial reform and innovation spirit of Shenzhen, focusing on inclusive finance and technological advancement [1][3] Group 1: Historical Context and Development - Shenzhen SEZ was established in August 1980 as a pilot for market-oriented reforms, evolving into a significant financial center recognized both domestically and internationally [3] - WeBank was launched on December 16, 2014, following the government's encouragement for private banks to enhance financial support for small and micro enterprises [3][5] Group 2: Product Innovations and Market Impact - WeBank introduced "Weilidai" in 2015, a pioneering online credit loan product that significantly improved access to finance for underserved customers, with 71% of borrowers incurring costs below 100 yuan [5] - The bank later launched "Weiyedai," an online unsecured loan product for small businesses, with over 70% of clients having annual revenues below 10 million yuan [5][6] Group 3: Support for Innovation and Technology - WeBank has actively supported high-tech enterprises, with nearly 50% of national high-tech companies in Shenzhen applying for its "Weiyedai - Sci-Tech Loan" service, totaling over 33 billion yuan in credit [6] - The bank has developed a distributed banking system architecture that supports high transaction volumes and maintains operational efficiency, achieving a peak of 1.4 billion transactions per day [7] Group 4: Transition to AI-Driven Banking - The emergence of generative AI technologies marks a new phase in digital finance, prompting banks to undergo systemic transformations across various operational aspects [8][10] - WeBank is advancing towards becoming an "AI-native bank," focusing on building robust AI infrastructure and application development tools to enhance service delivery [10][11] Group 5: Global Expansion and Collaboration - WeBank is contributing to the Greater Bay Area's digital finance development and facilitating cross-border data flow through innovative platforms [12][13] - The establishment of WeBank Technology in Hong Kong aims to enhance financial digitalization capabilities in Belt and Road Initiative countries, with partnerships in multiple Southeast Asian markets [13][14]

Group 1 - The private economy is a core driving force and distinctive feature of Shenzhen's urban development, with continuous reforms and innovations fostering the growth of small and medium-sized enterprises (SMEs) [1] - Shenzhen has implemented targeted policies to support SMEs, including lowering project application thresholds and simplifying approval processes, to address challenges such as high innovation barriers and resource acquisition difficulties [1] - The city has established a comprehensive enterprise cultivation system to encourage SMEs to explore independently and undertake research and development projects [1] Group 2 - Shenzhen's "20+8" industrial development strategy focuses on cultivating industrial clusters by building specialized industrial parks and enhancing industry-academia-research collaboration [1] - In the past year, Shenzhen added two national-level characteristic industrial clusters, bringing the total to six, maintaining its leading position among cities with separate planning in the country [1] Group 3 - Financial services are crucial for SMEs, and WeBank has developed online credit products like "Weiyedai" to address the financing challenges faced by small businesses [2] - WeBank has partnered with UnionPay Business Shenzhen to launch a specialized loan product for merchants in specific sectors, enhancing financial support for local businesses [2] Group 4 - The SaaS service platform, Xiaoe Tong, focuses on the digital transformation needs of enterprises, providing comprehensive solutions for e-commerce operations [3] - Xiaoe Tong offers tools that help businesses establish online platforms and manage various operational aspects, facilitating the core processes of online commerce for SMEs [3] Group 5 - The vitality of the private economy is a key factor in Shenzhen's urban competitiveness, with the city aiming for broader development opportunities for this sector [4] - Digital service companies in Shenzhen are leveraging technological innovation to support SME growth and drive industrial upgrades through effective government-business collaboration [4]

Group 1 - The private economy is a core driving force for Shenzhen's urban development, with continuous reforms and innovations aimed at nurturing small and medium-sized enterprises (SMEs) and industry clusters [1] - Shenzhen has implemented a series of policies to support SMEs, including lowering innovation thresholds and simplifying approval processes, as well as establishing a comprehensive enterprise cultivation system [2] - In 2022, Shenzhen added 2 national-level characteristic industry clusters, bringing the total to 6, maintaining its leading position among cities with separate planning in the country [2] Group 2 - A multi-dimensional and full-chain ecological support system is essential for the high-quality development of the private economy, with collaboration among financial institutions, industry carriers, and service platforms [2] - Micro Bank, a local private bank, has developed an online credit product "Micro Business Loan" to address the financing challenges faced by SMEs, offering 24/7 automated loan services [2] - The Xinghe WORLD Industrial Park in Shatian focuses on core areas such as new-generation information technology and artificial intelligence, providing a comprehensive service center with 384 integrated services to empower enterprise development [3] Group 3 - Digital transformation is crucial for SMEs to overcome development bottlenecks and integrate into industry clusters, although many face challenges due to limited technical reserves and high costs [4] - Local companies in Shenzhen are providing comprehensive solutions for digital transformation, such as SaaS tools from Xiaoetong that help e-commerce businesses establish online platforms and manage operations [4] - Kingdee, another local SaaS provider, offers integrated services for finance, supply chain, and retail to help traditional manufacturing enterprises achieve digital control over production processes [4]

作为以科技为核心发展引擎的数字银行，微众银行专注为小微企业和普罗大众提供差异化、有特色、优质便捷的金融服务。针对本次服贸会，微众银行 围绕"数字金融"为主题，携企业金融品牌微众企业+亮相金融服务专题展，全方位展示如何以金融科技服务企业发展。而作为一家数字银行，微众银行没有 线下营业网点，所有业务都是通过线上进行，以本次服贸会的主题展馆为契机，可以让大众更加直观生动地看见了解微众银行，同时也对数字银行有进一步 的了解。 9月1日—5日，2022年中国国际服务贸易交易会金融服务专题展在北京首钢园举办。本届服贸会金融服务专题展以"开放融合 绿色未来"为主题，共有 130余家国内外金融机构、国际组织和金融科技企业参展，全面展示了金融扩大开放、深化改革创新之下的中国金融业发展成果。 让小微企业做主角，提振市场主体"敢拼敢闯"信心 展台的另一侧，屏幕轮番播放的是微众企业+为企业主们拍摄的宣传片。据了解，这些企业主均为微众企业+的小微企业客户，来自不同行业、背景各 不相同，但都展现了敢拼敢闯的精神。一旁的几组模型引人注意。据工作人员介绍，这些产品展示的都是小微企业客户的代表产品，有海普洛斯的新型冠状 病毒核酸检测试剂盒、基 ...