小微企业就像实体经济的毛细血管，小店经济则藏着城市最浓的烟火气。2025年是《金融科技发展规划 （2022—2025年）》的收官之年，国家一直在加大对小微企业的融资支持，让金融资源精准流向实体经 济。在这样的背景下，金融科技头部企业小赢科技积极响应政策号召，秉持"科技融汇金融向善共筑美 好数字生活"的使命，通过2025年"做自己的光·小店闪光计划"、虚拟数字人WinDaidai等创新方式，把金 融服务的便捷和温暖送到了千家万户小微企业手中，在金融数字化、智能化转型的浪潮中，交出了一份 普惠金融的扎实答卷。 今年以来，《支持小微企业融资的若干措施》等一系列政策陆续出台，为改善小微企业融资环境、帮助 它们稳定发展提供了有力支持。国家金融监督管理总局的数据显示，截至2025年一季度末，银行业金融 机构面向小微企业的普惠型贷款余额已经达到35.3万亿元，比去年同期增长12.5%，金融支持小微企业 发展的力度一直在加大。 响应国家号召，小赢科技在2025年推出了"做自己的光"年度助力计划，通过"小店闪光计划"和"用户点 亮计划"两条线一起发力，为小微企业等实体经济送去金融"活水"。数据显示，2020年1月至2025年1 ...

Core Insights - Shenzhen Xiaoying Technology Co., Ltd. has launched a virtual digital assistant named Win-Daidai, aimed at enhancing service efficiency and user experience, embodying the company's mission of "technology integrating finance for good" [1] - Win-Daidai represents a new phase in the company's exploration of user service system upgrades, connecting technology with financial service optimizations [1] Technology Foundation - Xiaoying Technology emphasizes technological innovation in its digital transformation journey, with Win-Daidai being a product of its accumulated technological capabilities [3] - Win-Daidai integrates AI voice synthesis, real-time rendering, and intent recognition technologies, achieving comprehensive intelligence in appearance and interaction [3] - The design of Win-Daidai reflects a blend of technology and human warmth, featuring a blue and white color scheme symbolizing the coexistence of humanism and technological wisdom [3] Experience Enhancement - Win-Daidai operates 24/7, equipped with a semi-transparent smart headset and a caring badge, representing both technological attributes and service warmth [4] - As a digital brand ambassador, Win-Daidai innovatively promotes consumer protection through engaging content, making financial knowledge more accessible to users [4] Industry Context - The "Financial Technology Development Plan (2022-2025)" emphasizes leveraging global AI development opportunities and advancing intelligent technology applications in finance [5] - Xiaoying Technology's innovations align with policy directives, focusing on a service ecosystem that combines technical precision, emotional adaptability, and comprehensive coverage [5] - The company aims to continuously evolve its digital partners to provide users with tangible value and convenient experiences, contributing to the digital transformation of finance [5]

Core Viewpoint - The article emphasizes the importance of financial technology companies like Xiaoying Technology in promoting financial services that benefit the public, particularly small and micro enterprises, through innovative and compliant practices [2][5][10]. Group 1: Financial Technology and Social Value - Xiaoying Technology is committed to integrating financial services into everyday life, moving from traditional institutional services to more accessible options for the public [2][10]. - The company has partnered with over 90 licensed financial institutions, covering all 31 provinces and municipalities in China, with a loan balance of 58.403 billion yuan and facilitating loans of 35.149 billion yuan in the first quarter of 2025 [2][10]. Group 2: Support for Small and Micro Enterprises - Xiaoying Technology has developed a service system that covers the entire lifecycle of small and micro enterprises, addressing their urgent funding needs [5][7]. - From January 2020 to December 2024, Xiaoying Technology assisted over 8 million small business owners and individual entrepreneurs in resolving funding issues [7]. Group 3: Technological Empowerment - The company launched the WinAgent intelligent development platform in the first quarter of 2025, significantly reducing the time required for AI application development from weeks to hours [8]. - Xiaoying Technology is enhancing user service and consumer rights protection through the introduction of "AI digital humans" to provide more personalized and efficient services [8][9]. Group 4: Consumer Protection Initiatives - Xiaoying Technology has established a comprehensive consumer protection plan, integrating AI technology to create a 360-degree security system that safeguards user data and prevents fraud [9]. - The company actively engages in user education, reaching approximately one million people through initiatives like the "anti-fraud column" and creative educational content [9]. Group 5: Future Outlook - Xiaoying Technology aims to continue its growth with a focus on compliance and responsible service, leveraging AI technology to enhance financial services for small and micro enterprises and new citizens [10].