作为服务实体经济的重要践行者，平安融易以其特有的"AI+O2O"模式作出回应：将服务队伍从"坐 商"变为"行商"，并以科技金融，高效灵活赋能小微经济体，用扎实行动书写与国同庆、与民共进的答 卷。 躬身田野 主动走到小微身边 让金融活水流向毛细血管 平安融易咨询顾问主动走访发现养殖户的需求。 服务的广度与深度，是衡量普惠金融成色的关键标尺。平安融易结合自身O2O特点，打破传统被动等候 的"坐商"模式，推动一支专业队伍主动走到田间地头，成为穿梭于城乡之间的金融"活水"。 这一转变核心，在于构建一张线上线下融合的O2O服务网络：在现有传统直销体系基础上，重点孵 化"高产能、高质量、高年资"的"三高"高级客户经理团队。他们的身影不再局限于办公室，而是深入重 点区域和行业以及田间地头，基于对当地产业生态的深刻理解，为小微客户提供面对面、全生命周期的 融资顾问服务。 在山东滨州，肉牛养殖户张先生的故事正是这一模式的生动写照。面对升级智能化养殖设备却缺乏抵押 物的困境，平安融易的咨询顾问吴艳芬在主动走访中发现了他的需求。通过实地调研，精准采集经营数 据，最终创新性地以应收账款为还款保障，为他提供了50万元的融资支持。资金注 ...

Core Viewpoint - Digital finance is becoming a significant force in promoting high-quality economic development through its convenience, efficiency, and inclusiveness, with Lufax Holdings committed to empowering small and micro enterprises by innovating and applying technology [1] Group 1: Digital Financing Solutions - Lufax Holdings has launched the "Xingyun 2.0" AI smart loan solution to address the financing challenges faced by small and micro enterprises, utilizing 12 core technologies including AI, video communication platforms, and credit scoring models [1][2] - The "Xingyun 2.0" solution significantly reduces user waiting times, with 95% of users able to obtain loans within 1.3 hours, and the application time for medium to large micro loans decreasing by 20 minutes [2] Group 2: Empowering Small and Micro Enterprises - Lufax Holdings has developed a digital operating platform called "Luhui Rong Business Pass" to enhance the operational capabilities of small and micro enterprises, addressing their limitations in resources and marketing [3] - The company has assisted over 300 rural cooperative leaders and agricultural innovators in securing more than 133 million yuan in funding, impacting over 10,000 people across various agricultural sectors [3] Group 3: Recognition and Impact - Lufax Holdings was awarded the "Best Digital Financial Institution" at the "Influence · Times Summit" and the 9th "Times Financial Golden Orange Award" for its outstanding performance in digital finance and service optimization for small and micro enterprises [3] - The company's innovations in digital finance not only provide efficient financing solutions but also contribute significantly to the sustainable development of small and micro enterprises, setting a benchmark in the industry [4]