在社会经济高质量发展的进程中，小微企业作为国民经济的 "毛细血管"，是推动创新、促进就业、改善民生的重要力量。然而，融资难、融资贵、融资慢 等问题，长期以来都是制约小微企业发展壮大的"拦路虎"。大数信科凭借前沿金融科技能力，以技术为刃破局行业痛点，搭建起高效便捷的小微企业融资桥 梁，为破解小微企业融资难题按下"加速键"。 大数信科专业且多元化的业务，通过模块化或整体化的技术输出形式，将数字小微信贷技术灵活融入银行小微信贷业务流程，充分尊重了各合作银行的个性 化需求。一方面，帮助银行解决了产品单一的难题；另一方面，有望持续提升普惠信贷业务的规模和质量，为银行数字信贷技术体系的构建与转型升级提供 有力支持。 截至目前，大数信科已与近70家银行业金融机构建立了紧密的合作关系。在推动这些合作机构实现数字信贷转型的过程中，也助力银行为约80万普惠金融客 群发放了超过千亿规模的普惠信贷，为我国数字普惠金融的蓬勃发展注入了强大的科技动力。 小微企业融资困境的核心症结，在于传统金融服务模式下的"信息不对称"与"风控难落地"。针对这一难题，大数信科在行业内首创了数字小微信贷技术， 以"数字风控"为核心，依托与小微企业经营密切相 ...

Core Insights - The establishment of the "Support for Micro and Small Enterprises Financing Coordination Mechanism" has led to improved precision, accessibility, and convenience in financing services for small and micro enterprises in China [1] - Dashu Xinke, as a provider of technology solutions for micro and small loans, has developed innovative solutions to address the challenges of "difficult, slow, and expensive financing" faced by these enterprises [1][3] Group 1 - Dashu Xinke has focused on the research and development of digital risk control technology, successfully applying it to large, unsecured operational loans, thus revolutionizing traditional methods [3] - The company has built a comprehensive digital credit capability system that supports various key aspects such as marketing, risk control, product development, operations, technology, and credit enhancement [3] - Dashu Xinke has established close partnerships with nearly 70 banking institutions, facilitating the issuance of over 100 billion in inclusive loans to approximately 800,000 clients [3] Group 2 - The company plans to continue aligning with policy directions and deepen the integration of financial technology with micro financing scenarios [4] - Dashu Xinke aims to further enhance its risk control technology, product systems, and service capabilities to optimize financial services for small enterprises [4] - The goal is to ensure that financial resources flow more precisely and efficiently to small and micro enterprises, contributing to the stability of the macro economy and the high-quality development of the real economy [4]

Core Insights - Small and micro enterprises (SMEs) are crucial for economic stability, contributing over 50% of tax revenue, 60% of GDP, and 80% of urban employment [1] - SMEs face persistent challenges such as difficulty in financing, high costs, and slow processes, which hinder their development [1] - The company, Dazhuo Xinke, leverages advanced financial technology to support banks in creating efficient financing services for SMEs, effectively addressing the "last mile" issue of funding reaching the real economy [1] Company Solutions - Dazhuo Xinke has developed a comprehensive credit technology service system that includes marketing, risk control, product development, operations, technology, and credit enhancement, facilitating the digital transformation of banks' SME lending [2] - The company has created over 30 differentiated digital inclusive credit products tailored to meet the diverse credit needs of various bank customer segments, significantly expanding the coverage and depth of financial services [2] - Dazhuo Xinke has established close partnerships with nearly 70 banking institutions, helping them issue over 100 billion in inclusive credit to approximately 800,000 clients, thereby driving the growth of digital inclusive finance in China [2] Industry Impact - Addressing the financing challenges faced by SMEs is essential for stabilizing the economy and preserving jobs, as well as a necessary step for finance to return to its core service to the real economy [3] - Dazhuo Xinke acts as a bridge between banks and SMEs, alleviating the pain points in SME credit services and resolving the bottlenecks in SME financing [3] - With ongoing advancements in financial technology, more SMEs are expected to overcome funding constraints, contributing to stronger economic growth [3]

Core Insights - The financial sector has provided an additional 170 trillion yuan to the real economy over the past five years, with inclusive loans for small and micro enterprises reaching 36 trillion yuan, which is 2.3 times the amount at the end of the 13th Five-Year Plan, and interest rates have decreased by 2 percentage points [1] Group 1: Industry Support and Development - The financial support from the banking and insurance sectors reflects a continuous improvement in the financing environment for private and small enterprises [1] - Digital risk control technology is a core competitive advantage for Dashu Xinke, which has been continuously developed and refined through extensive practice in small and micro lending [2] - Dashu Xinke has successfully applied digital risk control technology in large, unsecured operational loans, revolutionizing traditional methods and achieving a breakthrough in digital lending for small and micro enterprises [2] Group 2: Technological Advancements and Impact - Dashu Xinke has established a comprehensive digital credit capability system that covers key areas such as marketing, risk control, product development, operations, technology, and credit enhancement [2] - The digital small and micro credit technology from Dashu Xinke has been applied in over 70 banks, facilitating the issuance of more than 1 billion yuan in inclusive loans to over 800,000 clients [3] - The technology not only mobilizes bank credit funds towards the real economy but also promotes the development of the private sector, providing significant economic benefits to partners [3] Group 3: Future Outlook - As a leading provider of credit technology solutions, Dashu Xinke aims to continue innovating and enhancing its credit technology solutions to support banks in providing efficient financing services to more small and micro enterprises [3]