从2017年初入职场的金融小白，到2025年拿下机构"车e贷"融资服务单项第一名，艾园在平安融易重庆分公司8年的时光里，始终践行着中国平安"价值最大 化是检验一切工作唯一标准"的核心文化。截至目前，她已累计服务2262名客户，助贷金额达8532.4万元，以专业与温度为小微企业打通融资脉络，让金 融"活水"真正流向实体经济的毛细血管。 科技+专业 捕捉小微融资精准"画像" 随着经济的向好发展，艾园敏锐地察觉到市场的变化："小微企业对融资需求越来越大，但许多企业主对融资产品和贷款方式不了解，容易被误导，选择不 适合的产品，反而会增加企业成本。" 面对这一痛点，平安融易的"AI+O2O"服务模式提供了专业解决方案。艾园作为专业咨询顾问，通过这一模式为客户建立全生命周期服务体系，从资金注入 到产能升级全程跟进。线下，她提供一对一、面对面的专业咨询服务；线上，平安融易的AI智能质检实现业务场景100%覆盖，升级的"行云2.0"智能贷款系 统更是实现了零文字输入、全程AI面谈，帮助95%的用户在1.3小时内获得借款。 工程类客户李女士是艾园多年维系的客户，2025年因扩建经营需要100万元资金。艾园根据企业轻资产、短期资 ...

Core Viewpoint - The company, Ping An Rongyi (Jiangsu) Financing Guarantee Co., Ltd. Chongqing Branch, emphasizes the integration of party leadership and financial services to support the high-quality economic development of Chongqing, with a guarantee balance of 2.408 billion yuan, including over 1.630 billion yuan for small and micro enterprises [1][5]. Group 1: Party Leadership and Development - The company positions party building as a "red engine" for development, enhancing grassroots party organizations and guiding employees to understand key elements of the "14th Five-Year Plan" [3]. - Regular specialized learning and practical activities are conducted to align party building with business objectives, establishing a dual-driven model of "Party Building + Business" [3]. Group 2: Technological Empowerment - The company leverages AI technology across its business processes, achieving 100% coverage with AI smart quality inspection and enabling 95% of users to secure loans within 1.3 hours through the upgraded "Xingyun 2.0" intelligent loan system [4]. - A "full lifecycle service system" is established to follow up from capital injection to capacity upgrading, combining online efficiency with offline precision [4]. Group 3: Support for Small and Micro Enterprises - The company targets specific sectors like tourism and hotel management, responding to the increasing financing needs of small and micro enterprises, particularly in light of the tourism industry's growth [5]. - A case study highlights a small business owner in tourism who received 1.2 million yuan in financing on the same day through the "Micro Business Loan" product, addressing her cash flow challenges [5]. - Another case illustrates a hotel operator who accessed 680,000 yuan for transforming his hotel into an esports-themed venue, facilitated by the company's proactive service and innovative financing solutions [6]. Group 4: Contribution to Economic Development - The company aligns its services with national strategic deployments, using professional financial services to create value for clients and contribute to societal development, thereby supporting Chongqing's economic growth [6].

Core Insights - Small and micro enterprises are becoming the backbone of economic development, with over 60 million registered nationwide by Q3 2025, and private enterprises accounting for 57% of China's total foreign trade [1] - Chongqing, as a central economic hub, relies on small and micro enterprises for regional economic vitality, yet they face challenges in financing [1] Financing Challenges - The financing difficulties for small and micro enterprises primarily stem from two issues: the urgent need for large short-term funds to support business expansion and the increasing difficulty in maintaining cash flow due to rising labor and material costs alongside shrinking fixed assets [2] - Chongqing aims for a GDP growth of around 6% in 2025, with small and micro enterprises playing a crucial role in this growth, leading to an expanding demand for financing [2] Innovative Financing Solutions - Ping An Rongyi has developed AI risk control models and big data analysis to reduce financing approval times to within 24 hours, with a maximum loan limit of 5 million yuan [2] - Core products such as "Zhai e Loan," "Micro Business Loan Preferred Invoice Scheme," and "Car e Loan" are designed to address the two main pain points of small and micro enterprises [2] Case Studies - A construction company in Chongqing faced a funding gap for a new project due to long payment cycles and lack of sufficient collateral. With the "Micro Business Loan Preferred Invoice Scheme," they secured 2 million yuan without collateral, enabling them to successfully undertake the project and stimulate surrounding industries [3] - In the Chongqing Free Trade Zone, a trading company needed 1 million yuan within a week to secure a supply chain opportunity. Utilizing the "Car e Loan" product, they received the funds on the same day, allowing them to capitalize on the opportunity [5] Service Philosophy - The service approach of Ping An Rongyi emphasizes deep engagement with clients, with a focus on building trust through frequent interactions and professional expertise [6] - The company’s diverse financing products, including "Micro Business Loan Preferred Invoice Scheme" and "Car e Loan," provide robust support for small and micro enterprises [6]

Group 1: Economic Development in Chongqing - In the context of the deepening construction of the Chengdu-Chongqing economic circle, small and micro enterprises in Chongqing are experiencing robust growth, with a total value added of 123.67 billion yuan in Q1, a year-on-year increase of 11.0% [1] - The total profit of small and micro enterprises reached 27.36 billion yuan, up 11.5% year-on-year, while tax payments amounted to 22.63 billion yuan, reflecting an 8.7% increase [1] - By the end of 2024, the number of small and micro enterprises in Chongqing is expected to reach 1.187 million, playing a crucial role in local economic growth and employment [1] Group 2: Financial Services by Ping An Rongyi - Ping An Rongyi has focused on serving the long-tail small and micro enterprises for 19 years, establishing a mature intelligent risk control model and operational capabilities across approximately 200 cities [2] - The company integrates big data, cloud computing, and artificial intelligence to provide convenient, efficient, and flexible financial solutions for small business owners [2] - As of Q1 2025, Ping An Rongyi's Chongqing branch has a loan balance of 2.408 billion yuan, with small and micro enterprises accounting for 66.1% of this amount [3] Group 3: Success Stories of Small Enterprises - Mr. Wu, who has been in the construction industry for over 20 years, successfully obtained 1 million yuan in financing through Ping An Rongyi's "Che e Loan" product, which significantly boosted his business development [3] - Over seven years, Mr. Zhang's business transformed from a small-scale operation to an intelligent factory, supported by multiple financing solutions from Ping An Rongyi, including a 1 million yuan loan [3] - The financing services provided by Ping An Rongyi are described as simple and efficient, with dedicated consultants offering timely support to small enterprises facing financial challenges [3]