在科技赋能金融服务方面，中信百信银行充分发挥金融科技的优势，自主研发了服务于小微企业的产业 数字化解决方案"百链系统"。该系统以数字信用为核心，重塑传统风控评估体系，通过整合多源数据与 人工智能模型，实现对企业的"动态经营画像"构建，为无抵押授信提供坚实依据。全流程自动化操作使 得审批效率整体提升约65%，部分场景可实现"分钟级放款"。通过深度挖掘税票、流水等真实经营信 息，系统基于企业实时经营轨迹的风险定价与信贷决策，动态调整授信额度与利率，使金融服务能弹性 匹配企业经营波动，让小微企业能够"敢贷、愿贷、能贷"，有效提升了普惠金融服务的可得性。 未来，中信百信银行将持续深化普惠金融实践，加大金融科技投入，提升金融服务质效，为更多小微企 业提供更可得、更便捷的普惠金融服务。同时，还将不断探索普惠金融的新路径、新模式，为经济高质 量发展注入强劲动力。 近日，在北京举行的金融界"启航·2025金融年会"上，中信百信银行凭借其"看见一百个信心的朝向"普 惠金融公益品牌推广计划项目的创新实践成果荣获"杰出社会责任奖"。该奖项不仅是对其在普惠金融领 域持续创新与实践的充分肯定，也是对其积极履行社会责任、助力实体经济、支 ...

Core Insights - The article highlights the challenges faced by small and micro enterprises in China, particularly in accessing financing, and emphasizes the importance of supporting their confidence and growth [1][2][3] Group 1: Small and Micro Enterprises - Small and micro enterprises are described as the "capillaries" of economic development, with their collective confidence contributing to the macroeconomic foundation [2] - The article illustrates the struggles of small business owners like Tao Yong, who faced unstable customer flow and tight cash flow during the early stages of their ventures [1][2] - The "Seeing a Hundred Directions of Confidence" initiative aims to showcase the stories of small business owners and provide them with the necessary support to overcome financing challenges [1][2] Group 2: Financial Support and Collaboration - The collaboration between government, banks, and media is emphasized as a model for supporting small enterprises, with the government guiding financial resources and banks providing tailored financial products [2][3] - The "Entrepreneurial Guarantee Loan" offered by Citic Baixin Bank is highlighted as a low-interest, quick-access financing option that helps small businesses overcome collateral challenges [2][3] - The article mentions the "Business Loan" product, which allows for flexible borrowing and repayment, catering to the unique cash flow needs of small enterprises [3][4] Group 3: Digital Empowerment and Growth - Citic Baixin Bank's digital inclusive finance approach is presented as a means to enhance the breadth and depth of financial services for small businesses [3][4] - The "Bailian System" is introduced as a digital solution that utilizes data and AI models to provide unsecured credit assessments for small enterprises [3][4] - As of the end of Q3 2025, the balance of inclusive small micro loans reached 12.703 billion, reflecting a significant growth of 39.58% since the beginning of the year [5]

Core Insights - The article highlights the evolution of inclusive finance from merely existing to providing quality services, while addressing ongoing challenges such as uneven coverage, low service efficiency, and mismatched supply and demand [1][2] Group 1: Industry Challenges - The inclusive finance sector faces structural imbalances, with traditional financial institutions struggling to reach small and micro enterprises and new citizens due to operational costs and risk management constraints [2] - Long-tail inclusive customer groups often encounter difficulties in financing and service access due to a lack of collateral, credit history, and data [2] Group 2: Company Initiatives - Citic Baixin Bank, as a state-controlled digital bank, aims to fill the gaps in the inclusive finance service system by focusing on unmet financial needs [2] - The bank's brand campaign emphasizes three representative groups: young people seeking homes, small business owners needing capital, and middle-class families planning wealth [2] - By June 2025, Citic Baixin Bank had served over 100 million users, with new citizens making up more than half of this number, and its inclusive small and micro loans reached 12.703 billion yuan, a 39.58% increase from the beginning of the year [2] Group 3: Technological Innovations - The bank has fundamentally transformed the logic of inclusive finance through digital technology, shifting from "people seeking money" to "money adapting to people" [3] - Citic Baixin Bank leverages technologies such as AI, big data, and cloud computing to create a digital banking model that is agile, intelligent, and secure [4] - The "Bai Lian System" enhances financing efficiency by using digital credit to reshape assessment systems, achieving a 65% increase in approval efficiency and enabling minute-level loan disbursement in certain scenarios [4] Group 4: Risk Management and Customer Experience - The bank employs the "Bai Xin Fen" and "ModelOps System" for risk management, improving the efficiency of risk model iteration by 160% and expanding the risk management radius [4] - The "Lingxi" intelligent assistant covers 80% of customer service scenarios, allowing users to complete transactions through simple commands, thus enhancing service experience [5] Group 5: Systemic Approach to Inclusive Finance - The successful implementation of high-quality inclusive finance services relies on a systemic capability that combines scene cultivation, technological iteration, and ecological collaboration, rather than solely on policy guidance or product stacking [6]

Core Insights - The article emphasizes the importance of "confidence" as a crucial support for individuals and businesses in their financial journeys, highlighting the role of CITIC Baixin Bank in fostering this confidence through digital banking solutions [1][8] Group 1: Bank's Mission and Technology - CITIC Baixin Bank has positioned itself as a "testbed" and "innovator" in the digital finance sector since its establishment in 2017, focusing on leveraging technology to enhance operational efficiency and provide benefits to the public [2] - The bank's proprietary "Bai Lian System" represents its technological foundation, enabling real-time data integration for small and micro enterprises, which facilitates unsecured credit and precise risk pricing, improving overall approval efficiency by 65% [3] Group 2: User-Centric Financial Services - The bank's services are designed to be embedded in users' daily lives, transforming financial solutions into accessible tools that address immediate needs, particularly for new urban residents [4] - Products like "Hao Hui Hua·Jie Qian" and "Sheng Yi Dai" cater to specific user needs, with the former allowing loans up to 300,000 yuan and the latter offering flexible repayment options, contributing to a total of 127.03 billion yuan in inclusive small micro loans by September 2025, a 39.58% increase from the beginning of the year [3][5] Group 3: Financial Empowerment and Growth - The bank's offerings, such as "Yue Yue Zan" and "Qi Tian Bao," encourage savings and financial planning, helping families achieve their financial goals while providing a sense of security [6] - The integration of AI technology in services, such as the "CITIC Baixin Bank Microservice" on WeChat, enhances user experience by allowing simple commands for banking tasks, achieving an 82% AI-assisted resolution rate [7] Group 4: Vision for the Future - CITIC Baixin Bank aims to create a value co-creation ecosystem by using technology to empower financial services, ensuring that "confidence" becomes an invisible support for individuals pursuing their dreams [8]

Core Insights - The article highlights the role of CITIC Baixin Bank in empowering small and micro enterprises through digital inclusive finance, showcasing individual success stories of entrepreneurs who have benefited from the bank's support [1][2][3]. Group 1: Entrepreneurial Support - CITIC Baixin Bank launched the "Seeing a Hundred Directions of Confidence" public welfare program in collaboration with Xinhua News, aimed at providing "financing + brand promotion" support to small and micro enterprises [1]. - The bank's "Entrepreneurial Guarantee Loan" has been instrumental for entrepreneurs like Tao Yong, who faced challenges in managing his restaurant, allowing him to focus on business operations without financial worries [2][3]. - Liu Jiajia, founder of the camping brand "Ye Mang Mang," utilized the bank's business loan to expand his product offerings and improve services, demonstrating the bank's understanding of the unique needs of small businesses [3]. Group 2: Digital Financial Solutions - CITIC Baixin Bank addresses the common pain points of small enterprises, such as "difficult, expensive, and slow financing," by leveraging its "Bailian System" for digital credit assessment [4]. - The bank's system enhances approval efficiency by 65% and enables "minute-level disbursement," allowing for rapid access to funds based on real-time business data [4]. - By utilizing dynamic operational data, the bank can provide more accurate risk pricing and flexible funding solutions, encouraging small businesses to seek loans [4]. Group 3: Collaborative Ecosystem - The "Seeing a Hundred Directions of Confidence" initiative integrates policy, finance, and media to create a supportive ecosystem for small enterprises [5][6]. - The program involves local government agencies actively engaging with businesses to understand their challenges and promote supportive policies [5]. - The collaboration between policy, finance, and media aims to build a sustainable ecosystem that enhances brand visibility and financial support for small businesses [6].

Core Viewpoint - The article highlights the challenges faced by small and micro enterprises in China, particularly regarding financing difficulties, and emphasizes the importance of collaborative support from financial institutions, government, and media to empower these businesses [1][2]. Group 1: Challenges Faced by Small and Micro Enterprises - Small and micro enterprises are described as the "capillaries" of the economy, with their confidence contributing to the overall economic strength [2]. - Entrepreneurs like Tao Yong experience unstable customer flow and tight cash flow, reflecting the struggles of many small business owners [1]. Group 2: Collaborative Support Initiatives - The "Seeing a Hundred Directions of Confidence" public promotion plan initiated by Citic Baixin Bank aims to support small and micro enterprises through storytelling and media engagement [1][2]. - The collaboration involves government as a policy guide, Citic Baixin Bank providing tailored financial products, and media amplifying the stories of entrepreneurs [2][3]. Group 3: Financial Products and Innovations - Citic Baixin Bank offers products like the "Entrepreneur Guarantee Loan," which provides low-interest, collateral-free loans to small businesses, facilitating easier access to financing [2][3]. - The "Business Loan" product is designed for the unique cash flow characteristics of small enterprises, allowing flexible borrowing and repayment options [3][4]. Group 4: Digital Empowerment and Growth - The "Bailian System" is introduced as a digital solution that utilizes data and AI to assess creditworthiness without requiring collateral, enhancing the financing process for small businesses [3][4]. - As of Q3 2025, the balance of inclusive small micro loans reached 12.703 billion, reflecting a significant growth of 39.58% since the beginning of the year [4].

Core Insights - The article highlights the challenges faced by small and micro enterprises in China, particularly in accessing financing, and emphasizes the importance of supporting their confidence and growth [1][2]. Group 1: Support for Small and Micro Enterprises - The "Seeing a Hundred Directions of Confidence" initiative by Citic Baixin Bank aims to support small and micro enterprises by telling their stories and providing financial assistance [1][2]. - The collaboration between government, banks, and media is crucial in providing tailored financial solutions and resources to small businesses, addressing issues like collateral difficulties [2][3]. Group 2: Financial Products and Innovations - Citic Baixin Bank offers innovative financial products such as the "Entrepreneur Guarantee Loan," which provides low-interest, collateral-free loans to small businesses [2][3]. - The "Business Loan" product is designed for the unique cash flow needs of small enterprises, allowing for flexible borrowing and repayment terms [3][4]. Group 3: Digital Transformation and Growth - The bank has developed the "Bailian System," a digital solution that utilizes data and AI to assess creditworthiness without requiring collateral, thus enhancing access to financing for small businesses [3][4]. - As of the end of Q3 2025, the balance of inclusive small micro loans reached 12.703 billion, reflecting a significant year-to-date growth of 39.58% [4].