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 Viewpoint - The essence of finance is to serve the real economy and safeguard people's well-being, which is also the unwavering commitment of Xiaoying Technology in fulfilling its social responsibility [2] Group 1: Social Responsibility and Financial Inclusion - Xiaoying Technology has released its 2024-2025 Social Responsibility Report, showcasing its commitment to ESG information disclosure and its efforts in promoting inclusive finance, technology safety, and public welfare [2] - The company has initiated programs like "Shining Together: Small Store Support Plan" and "Be Your Own Light: Small Store Shining Plan" to empower small businesses and new citizens, aiming to provide comprehensive support [3] - From January 2020 to June 2025, Xiaoying Technology has served over 9 million small business owners and individual entrepreneurs across 31 provinces, with 40% of users coming from the new citizen demographic [3] Group 2: Technological Innovation and Security - Xiaoying Technology emphasizes technological innovation as a core driver of new productive forces, continuously iterating its technology to enhance financial security [5] - The company has developed the WinSAFE and WinPROT systems to empower the real economy and establish a robust financial security framework, enhancing customer service efficiency and safeguarding data security [5][6] - The WinSAFE system improves customer acquisition and risk assessment, while the WinPROT system focuses on fraud prevention and data security, ensuring a secure service environment for users and partners [5] Group 3: Sustainable Public Welfare Initiatives - Xiaoying Technology's public welfare initiatives focus on rural education revitalization, with the Xiaoying Public Library serving as a cultural hub in Jiangxi, promoting local cultural vitality [7] - The company engages in various social welfare projects, including supporting children's education in impoverished areas of Kenya, demonstrating its commitment to broader social impact [7] - Xiaoying Technology integrates public welfare with consumer rights protection, conducting user education activities that have reached approximately one million people, effectively raising awareness of financial safety [7] Group 4: Future Commitment - Xiaoying Technology is committed to advancing ESG sustainable development principles, focusing on serving the real economy, ensuring user safety, and fulfilling its public welfare mission [8]

Core Insights - The article highlights that Xiaoyin Technology has been recognized as an "Outstanding Consumer Rights Protection Institution" at the 21st Century Financial Annual Conference, reflecting its commitment to consumer rights in the financial technology sector [1] - The company emphasizes the importance of consumer rights protection as a fundamental aspect of social responsibility and sustainable development in the financial industry [1] Group 1: Consumer Rights Protection - Xiaoyin Technology has established a comprehensive "Big Consumer Protection" system, integrating the concept of "finance for the people" into its operations to enhance the effectiveness of consumer protection efforts [1] - The award received by Xiaoyin Technology serves as a recognition of its consumer protection initiatives and sets a benchmark for the fintech industry [1] Group 2: Security and Risk Prevention - In response to the accelerated digitalization in finance, Xiaoyin Technology has integrated technological innovation into its consumer protection framework, utilizing AI to enhance its "Five-in-One" WinPROT system [2] - The company has developed a full-chain security protection system that includes fraud prevention, data security, customer service efficiency, technological empowerment, and user education [2] - The introduction of the virtual digital assistant Win-Daidai aims to improve service efficiency and user experience, embodying the integration of technology and human touch [2] Group 3: Education and Empowerment - Xiaoyin Technology is committed to long-term consumer protection development through user education, launching the "Trust as a Sail, Creating the Future" column to promote credit knowledge, reaching over one million users [3] - The company has combined public welfare practices with consumer rights protection, conducting educational activities that effectively raise awareness of financial safety and risks [3] - Xiaoyin Technology has partnered with Southwest Jiaotong University for three consecutive years to promote financial literacy in remote areas, demonstrating its commitment to social responsibility and community engagement [3]

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].

Core Insights - The article highlights the significant milestone of Shuhe Technology as it celebrates its tenth anniversary and rebrands from "SHUHE GROUP" to "SHUHE TECH," reflecting a strategic shift and commitment to excellence in the fintech sector [1] - Shuhe Technology aims to provide optimal financial services for everyone, leveraging digital intelligence as a key driver by integrating cutting-edge technology with credit services [1] Group 1: Technological Empowerment in Credit Services - In the financial credit sector, technological innovation is essential for enhancing service quality and efficiency, with Shuhe Technology incorporating AI and big data into its credit service processes [2] - The company utilizes big data to analyze vast user data, creating detailed user profiles and offering personalized credit product recommendations, significantly improving service accessibility and matching [2] - Shuhe Technology's intelligent risk control is a core competitive advantage, employing advanced AI algorithms to build models that assess credit status and risks in real-time, thus enhancing credit evaluation and reducing lending risks [2] Group 2: Efficient Credit Matching Platform - Shuhe Technology has developed an efficient and transparent credit matching platform that uses intelligent algorithms to match user needs with financial institutions, facilitating quick and effective allocation of credit funds [3] - This precise matching model enhances the efficiency of fund utilization for financial institutions while providing users with high-quality and convenient credit services, promoting financial inclusivity [3] Group 3: Innovation and Intellectual Property - The company places a strong emphasis on technology research and intellectual property protection, having filed over 370 patents and received 97 software copyrights and 73 invention patents [4] - These achievements underscore Shuhe Technology's innovation capabilities and its core competitiveness in the fintech industry, earning it various accolades such as "High-tech Enterprise" and "Shanghai Specialized and Innovative Enterprise" [4] - The accumulation of patents and industry honors enhances the company's brand image and fosters market trust, motivating further technological advancements [4] Group 4: Customer Service Evolution - Shuhe Technology's subsidiary, Haibei, has evolved its customer service model to prioritize user experience, transitioning from basic text and voice interactions to an AI-driven customer service 3.0 model [5][6] - The AI customer service system boasts a 98% speech recognition accuracy and can proactively address user inquiries while suggesting solutions, significantly improving service quality [6] Group 5: Future Vision - Looking ahead, Shuhe Technology is committed to leveraging core technologies to advance inclusive finance and aims to be a lifelong intelligent financial partner for users, providing high-quality and personalized financial services [7]