Core Viewpoint - Shanghai Lufax Information Technology Co., Ltd. (Lufax) has been awarded the "Golden Horse Outstanding Institution for Serving the Real Economy" for its contributions to empowering small and micro enterprises through innovative financial services [2] Group 1: Financial Services Innovation - Lufax has upgraded its financing service brand to "Ping An Rongyi," focusing on the needs of small business owners and individual operators, utilizing a "technology + finance" dual-drive model to stimulate the real economy [2] - The company has implemented a "people + enterprise" risk control concept to create a comprehensive financing lifecycle management solution for small and micro enterprises, enhancing credit asset utilization and aligning financial services with industrial transformation [2] Group 2: Inclusive Finance and Digital Financial Services - Lufax has adopted a "three savings" service philosophy (saving worry, time, and money) and is driving its services through a dual-engine model of "micro financing + consumer finance," significantly improving accessibility and convenience of financial services [3] - By the end of Q3 2025, 13.68 million customers have received timely financing services from Ping An Rongyi [3] - The company is advancing its "AI in All" strategy, leveraging AI and big data to create a diverse intelligent service matrix, resulting in a 2.5 times increase in per capita productivity and a 75% improvement in review efficiency [3] Group 3: Green Development and Social Responsibility - Lufax is committed to the national "dual carbon" goals and has launched a "green finance +" action plan to support the development of green industries, including special financing solutions for electric vehicles [4] - The company has partnered with the China Women's Development Foundation to promote the "@Her Entrepreneurship Program," assisting over 2,500 rural women in developing unique industries, thereby activating rural economic vitality [4] - Lufax plans to continue focusing on key areas such as rural revitalization, green development, and technological innovation, aiming to contribute to high-quality financial development and the construction of a financially strong nation [4]

Core Insights - The company,陆控, has been recognized as the "Outstanding Digital Financial Institution of the Year" at the "2025 Financial Annual Conference" for its innovative practices in digital finance [1] - The company continues to implement its "AI in ALL" strategy, integrating digital finance, technology finance, and green finance into its inclusive finance operations [1] Group 1: Digital Technology and Innovation - The company leverages technologies such as artificial intelligence, cloud computing, blockchain, and big data to enhance its digital services, focusing on financing guarantees for local key industries and small micro-economies [2] - The recently launched "Yunfan" solution is the first AI-driven remote financing service in the non-bank credit sector, achieving a 158% increase in productivity through the use of AI coaches for customer service representatives [2] - The "Zhihun" project utilizes large model technology and machine learning to automate due diligence processes, reducing processing time by 90% and achieving a 93% accuracy rate in application dimensions [3] Group 2: Financial Services and Support - The "Prism" project aims to support local key industries by analyzing their financing needs and usage patterns, providing a comprehensive financial service ecosystem that addresses various financing challenges [3] - The "Smart Customer Service 3.0" initiative has improved customer service efficiency, increasing resolution rates by 2% and reducing the need for human intervention by 14%, while customer satisfaction rose from 80% to 85% [4] - The "Che e Loan" green financing program offers exclusive benefits for small micro-enterprises, facilitating access to lower financing rates for new energy vehicle owners, with over 4.22 billion yuan in loans disbursed by September 2025 [4] Group 3: Community Engagement and Support - The company emphasizes grassroots engagement by establishing a professional team that actively serves local small micro-economies, providing tailored financing solutions and support [5] - A case study highlights how the company assisted a cattle farmer in Shandong by providing 500,000 yuan in financing, resulting in a 50% increase in production capacity and a nearly 30% rise in income [6] - The company has partnered with the China Women's Development Foundation to support female entrepreneurship, distributing 43.1 million yuan in micro-loans to over 2,500 women, thereby promoting local employment and industry development [7]

Core Viewpoint - The company, LuKong, has been awarded the "2024 Annual Excellence in Service to the Real Economy Award" for its contributions to empowering small and micro enterprises through innovative financial services and technology [1][4]. Group 1: Financial Services and Innovation - LuKong is recognized as a leading financial service provider for small and micro enterprises in China, focusing on enhancing the accessibility and effectiveness of financial services [1]. - The company has upgraded its financing service brand to "Ping An Rong Yi," targeting the needs of small business owners and individual entrepreneurs, utilizing a "technology + finance" dual approach to stimulate the real economy [1]. - By implementing an O2O model combining online processes with offline consulting, LuKong has significantly improved the accessibility and convenience of its financial services, with 13.68 million customers benefiting from timely financing services by Q3 2025 [2]. Group 2: Digital Finance and Efficiency - LuKong is advancing its "AI in All" strategy, leveraging artificial intelligence and big data to create a diverse intelligent service matrix, enhancing operational efficiency [2]. - The company has achieved a 2.5 times increase in per capita productivity through its remote financing service platform "Yun Fan," and improved customer due diligence efficiency by 75% using the "Zhi Dun" system [2]. - The implementation of the Aegis project has led to a comprehensive intelligent risk approval system, covering 157,000 applications within five months, enhancing both efficiency and risk control [2]. Group 3: Green Development and Social Responsibility - LuKong is committed to the national "dual carbon" goals, promoting green finance initiatives such as special financing plans for electric vehicles and participating in national park conservation projects [3]. - The company has supported over 2,500 rural women through the "@Her Entrepreneurship Program," integrating finance, public welfare, and industry to invigorate rural economies [3]. - LuKong's recognition as a leading institution in service to the real economy reflects its effective service outcomes and innovative "technology + finance" model, contributing to high-quality economic development [3].

Core Insights - The "Yunfan" remote financing service platform developed by Lufax Holdings has been recognized as a "Pioneer Case of New Digital Intelligence and New Scenarios" at the 2025 "China Inclusive Finance Action" conference [1] - The platform utilizes L4-level AI remote consulting capabilities to address inefficiencies in traditional remote financing services, enhancing customer engagement and reducing marketing costs [3] Group 1: Platform Features - "Yunfan" integrates multi-dimensional data to create a three-dimensional profile of each customer, including consumption habits and emotional tendencies [3] - The platform employs predictive models trained on historical transaction data to accurately forecast customer needs, enabling intelligent scheduling and proactive customer engagement [3] - Natural language processing advancements allow the AI to interpret customer emotions and semantic nuances in real-time, providing a service level comparable to human agents [4] Group 2: Operational Impact - Since its launch in August, "Yunfan" has facilitated over 140 million yuan in remote financing while reducing operational costs by 30% [5] - The platform's human-machine collaboration has led to a 158% increase in productivity, aligning with the philosophy that AI enhances human capabilities rather than replacing them [4] Group 3: Strategic Initiatives - Lufax Holdings is actively exploring the application of large models in various financial scenarios as part of its "AI in ALL" strategy, aiming to drive digital and intelligent transformation in the financial sector [6] - The company has developed a unique "large model + knowledge base" integration system, which has been applied across the entire financing service process [6] - The innovations in financing services and intelligent customer support provide a replicable and scalable model for the broader financial industry [7]

Core Viewpoint - The company, Ping An Rongyi, is actively implementing a multi-faceted approach to empower small and micro enterprises, particularly in rural areas, by leveraging its "AI + O2O" model to provide efficient financial services and support agricultural development [2][4]. Group 1: Service Model Transformation - Ping An Rongyi has shifted from a passive "sitting merchant" model to an active "walking merchant" approach, establishing an O2O service network that integrates online and offline services [3]. - The company has developed a specialized team of senior customer managers who engage directly with small and micro clients in key regions, offering face-to-face, full lifecycle financing advisory services [3]. - A case study of a cattle farmer in Shandong illustrates the effectiveness of this model, where the company provided 500,000 yuan in financing based on accounts receivable, resulting in a 50% increase in production capacity and nearly 30% growth in income [3]. Group 2: Agricultural Empowerment - The company is aligning its services with the national "Rural Revitalization" strategy, offering comprehensive support throughout the agricultural supply chain, including product procurement and online sales platform development [4]. - During the "Chinese Farmers' Harvest Festival," Ping An Rongyi engaged in community support activities, such as donating educational materials and establishing long-term procurement mechanisms for over 5,000 farmers [5]. - The "Three Agriculture Protection Plan" combines efficient financial services with marketing support, helping 480,000 agricultural micro-enterprise owners secure over 60 billion yuan in funding by June 2025 [5]. Group 3: Technological Integration - The company emphasizes technology as a core driver, promoting full-process digitalization and intelligence to enhance the efficiency and accessibility of financing for small and micro enterprises [6]. - A unique "human + enterprise" intelligent risk control model has been developed, utilizing over 6,000 risk factors to assess creditworthiness and reduce financing costs [6]. - The AI-driven loan application system has simplified the borrowing process, allowing 95% of small micro clients to receive funds within 1.3 hours, addressing their urgent financial needs [7]. Group 4: Future Outlook - Ping An Rongyi aims to continue its dual-driven strategy of deep offline service and advanced online technology to create a resilient "AI + O2O" service ecosystem [9]. - The company is committed to supporting small and micro enterprises through economic cycles, contributing to high-quality development in the modernized economy of China [9].