Core Viewpoint - The financing difficulties faced by small and micro enterprises are primarily due to information asymmetry, insufficient collateral, and high operational risks, which traditional financial institutions are hesitant to address. Tianchuang Credit has developed an innovative intelligent risk control solution to effectively tackle these challenges and promote inclusive finance [1][3]. Group 1: Financing Challenges - Small and micro enterprises struggle with financing due to factors such as information asymmetry, lack of collateral, and high operational risks [3]. - Traditional risk control models fail to accurately assess the credit status of small and micro enterprises, leading to missed growth opportunities for potentially viable businesses [3]. Group 2: Intelligent Risk Control Solution - Tianchuang Credit has created an intelligent risk control system utilizing big data and artificial intelligence to break down information barriers and achieve precise and efficient risk assessment [3]. - The solution integrates multiple data sources, including transaction records, financial status, credit history, and social network behavior, enhancing the accuracy of risk assessments and significantly shortening loan approval cycles while reducing financing costs for small and micro enterprises [3][4]. - The company emphasizes risk warning and dynamic monitoring to ensure fund safety, providing financial institutions with more reliable decision-making support [3]. Group 3: Social Responsibility and Market Impact - Tianchuang Credit demonstrates a strong sense of social responsibility by promoting its intelligent risk control solutions not only to large financial institutions but also to small banks, non-bank financial institutions, and internet finance platforms, thereby broadening their service scope and improving service efficiency [3][4]. - By lowering financing thresholds, Tianchuang Credit effectively stimulates the innovative vitality of small and micro enterprises, contributing to the prosperity of the real economy [3]. Group 4: Future Directions - The company continues to optimize its service model by providing customized and personalized risk control solutions to meet the diverse needs of small and micro enterprises across different industries and development stages [4]. - Tianchuang Credit aims to deepen its engagement in the financial technology sector, continuously innovating risk control technologies and optimizing service processes to offer higher quality and comprehensive services to more small and micro enterprises, thus supporting their growth in a competitive market [4].

证券代码：301316 证券简称：慧博云通 慧博云通科技股份有限公司 2025年5月13日投资者关系活动记录表 编号：2025-001 尊敬的投资者您好，公司 2024 年 TMT 行业收入同比增长 24.90%，金融 行业收入同比增长 35.62%，感谢您的关注。 6、慧博云通 2024 年在智能运维领域推出的容器云平台系统，已应用于 哪些银行客户？ | | 特定对象调研 分析师会议 | | | --- | --- | --- | | 投资者关系活动 | 媒体采访 业绩说明会 | | | 类别 | 新闻发布会 路演活动 | | | | 现场参观 | | | | 其他 | | | 参与单位名称及 | 线上参与慧博云通科技股份有限公司（以下简称"公司"或"慧博云通"）2024 | | | 人员姓名 | 年度业绩说明会的全体投资者 | | | 时间 | 2025 年 月 13 日（星期二）下午 15:00-17:00 | 5 | | 地点 | 全景网"投资者关系互动平台"（https://ir.p5w.net） | | | 上市公司接待人 | 1、董事长、首席执行官余浩先生； | | | 员姓名 ...

Core Insights - The company, Huibo Yuntong, reported a strong revenue growth of 28.3% year-on-year in Q1 2024, achieving 1.743 billion yuan, continuing the high growth trend of 37.46% for the full year 2024 [1] - The company's growth is driven by its focus on software and information technology services, with all three main business segments showing double-digit growth [1] - Huibo Yuntong is actively expanding its AI and large model technology applications, particularly in the financial sector, establishing stable partnerships with major banks [2] - The company is increasing its R&D investment to maintain a technological edge, focusing on emerging technologies such as AI, AIoT, and cloud computing [3] - Despite short-term profit impacts from increased R&D spending, the strategic positioning in AI and fintech is expected to enhance profitability in the long run [4] Financial Performance - In Q1 2024, the software technology service revenue reached 1.074 billion yuan, growing by 16.70% [1] - The professional technical service revenue surged to 497 million yuan, marking a significant increase of 58.69% [1] - Revenue from products and solutions reached 148 million yuan, reflecting a growth of 32.39% [1] Strategic Initiatives - The company is implementing a "2+3" development strategy, focusing on TMT and finance sectors while enhancing capabilities in fintech, big data, and AI [1] - Huibo Yuntong aims to become an international, professional, and innovative comprehensive digital technology service provider [2] - The company has launched two stock incentive plans covering over 180 core employees, granting a total of 21.99 million shares to stabilize the core team and stimulate innovation [3] Market Positioning - The global generative AI market is projected to grow at a compound annual growth rate of 63.8%, reaching a market size of 284.2 billion USD by 2028, positioning Huibo Yuntong to benefit from this rapid growth [2] - The company has expanded its operations globally, establishing branches in over 20 domestic cities and various overseas regions, enhancing its market reach [3] - Huibo Yuntong plans to further invest in the financial sector and expand its capabilities through team acquisitions and mergers [3]