Core Viewpoint - The article emphasizes the importance of small and micro enterprises in driving employment and economic circulation in China, highlighting the innovative "AI+O2O" model adopted by Ping An Rongyi to empower these businesses and enhance financial services [1][10]. Group 1: Service Model Transformation - Ping An Rongyi has shifted from a passive "sitting merchant" model to an active "walking merchant" approach, establishing a comprehensive O2O service network that combines online and offline resources [2][10]. - A specialized team of senior client managers is deployed to key regions and industries, providing face-to-face, full lifecycle financing advisory services to small and micro clients [2][5]. Group 2: Financial Empowerment in Agriculture - The company integrates financial services into the entire agricultural supply chain, going beyond mere financing to include product procurement and online sales platform development, thereby enhancing farmers' tangible benefits [6][7]. - The "Three Rural Protection Plan" combines financial support with marketing and product upgrades, helping 480,000 agricultural micro-enterprise owners secure over 60 billion yuan in funding by June 2025 [7][8]. Group 3: Technological Integration - Ping An Rongyi leverages advanced technologies like AI and big data to enhance service efficiency and customer experience, creating a unique "human + enterprise" intelligent risk control model [8][9]. - The AI-driven loan application process has been streamlined to require minimal input, with 95% of small micro clients receiving funds within 1.3 hours, addressing their urgent financial needs [9][10]. Group 4: Commitment to Sustainable Development - The company aims to build a resilient and warm "AI+O2O" service ecosystem, supporting small and micro enterprises through economic cycles and contributing to high-quality development in China [10].