In order to thoroughly implement the requirements of the State Administration of Finance and Management and practice the political and people’s nature of financial work, under the guidance of the Tianjin Supervision Bureau of the State Administration of Finance and Administration, the Bank of China has recently carried out the first “Inclusive Finance Promotion Month” operation.During the event, Jincheng Bank will increase investigation and visit to understand customer needs; innovate financial product services, improve science and technology and financial levels, focus on small and micro enterprises such as science and technology, agriculture and other key areas, and strive to meet their reasonable financing needs; widely popularize financial knowledge, and widely popularize financial knowledge, and widely popularize financial knowledge, and widely popularize financial knowledge, and widely popularize financial knowledge, and widely popularize financial knowledge, and widely popularize financial knowledge.Promote the policy of benefiting the people and the people, and continuously improve the accuracy and coverage of inclusive financial services, so that more small and micro enterprises and consumers will benefit from inclusive financial services.

In recent years, Jincheng Bank has focused on key areas, innovative products and services, continuously increasing financial support for small and micro enterprises, opening up new paths with digital technology, improving the quality and efficiency of inclusive financial services, and constantly practicing inclusive finance.”” “.

Digital innovation break financing problem

Small and micro enterprises are the “capillaries” of my country’s economy. They are the development of vital army and one of the core subjects of inclusive financial services.However, at present, small and micro customers are still facing issues such as long -term approval, lack of pledges and effective guarantee, especially “loan -free households”. Due to the lack of credit data accumulation and loan application experience, it is difficult to obtain loans.

In response to the difficulties faced in the financing process of small and micro enterprises, Jincheng Bank has continuously strengthened the mining of credit data of small and micro enterprises.A variety of digital inclusive financial innovation products and services represented by “Golden Enterprise Loan” have solved the financing problem of small and micro enterprises.

Tianjin Guyuan Construction Engineering Co., Ltd. is a start -up company that is mainly engaged in the construction of transportation infrastructure engineering construction. It is responsible for promoting the renovation and maintenance project of multiple municipal roads and bridges, and rural road upgrades.However, the company has never had a loan in any financial institution before, and it is a complete “loan -free household”.Facing the pressure of funds, Chen Xiaowei, the person in charge of the enterprise, was very embarrassed.At this time, Jincheng Bank stretched out the number “help”.”After I submitted the materials with my mobile phone, I got credit soon. Jincheng Bank’s” Golden Enterprise Loan “product is really convenient.” Chen Xiaowei said that with the credit line, the development of the enterprise is more confident.Realize the goal of double sales revenue.

In recent years, Jincheng Bank has taken digital services for small and micro enterprises as its responsibility. It attaches great importance to the effectiveness of “first loan households” financial services. Through digital technology, it has implemented accurate and quantitative assessment of the risks of small and micro enterprises.”Council” ability.In terms of improving the “first loan households” approval efficiency, Jincheng Bank actively open up green service channels and give priority to approval; in terms of product services, it has customized the “7 -day interest rate interest rate” preferential package for “first loan households”.At the same time, Jincheng Bank actively provides a package of comprehensive financial service solutions such as credit product policy consultation to help the first loan enterprise actively solve the pain points of the “first loan” and effectively expand the coverage of the first loan households.

In addition, Jincheng Bank also actively responded to the call of “government and banking cooperation”, using strong digital technology strength and digital risk control capabilities to carry out business cooperation with related bare institutions.This cooperation will provide an innovative financial service model through the “government and banks”, which can provide qualified small and micro enterprises with online batch financing guarantee cooperation, expand the financing channels for small and micro enterprises, reduce the financing cost of small and micro enterprises, promote enterprise development, realize the realizationThe “Pu” and “Hui” of finance.

Strive for inclusive finance “pioneers”

In recent years, Jincheng Bank has actively promoted the expansion of inclusive small and micro -credit, and made full use of the tools such as transfer loans, and for the various “specialized new” enterprises, science and technology enterprises, and agricultural -related enterprises that are supported by the country., Further reduce the interest burden of small and micro enterprises, and continuously improve the popularity and acquisition of inclusive finance.At the same time, Jincheng Bank combined with its own digital endowment capabilities to provide a series of professional, detailed and efficient financial services for small and micro enterprises, and strive to support the “vanguard” of inclusive finance that supports the steady development of small and micro enterprises.

Combined with the habits and repayment needs of small and micro enterprises, “Golden Enterprise Loan” has set up a reasonable loan repayment period and repayment method, which can achieve loan repayment and avoid pressure on small and micro enterprises.Relying on advanced financial risk control technologies and tools such as machine learning, deep learning, map computing, remote identity certification, corporate knowledge map, flow computing, financial private cloud, distributed risk control, etc. “Golden Enterprise Loan” can also effectively solve informationSymmetric issues reduce the application threshold for small and micro enterprises.In addition, “Golden Enterprise Loan” also created the “3D” panoramic big data risk control model, which combines dozens of legitimate data source dimensions, and conducts dual wind control construction modulus verification for “business owners+enterprises”.Comprehensive analysis of multi -dimensional angles such as industry cycle fluctuations and future development trends, continue to improve the efficiency and accuracy of big data risk control, and effectively reduce the risk of loan loans for small and micro enterprises.As of the end of 2023, the number of registered users of small and micro enterprises of Jincheng Bank exceeded 2 million households, and Jincheng Bank had issued more than 200 billion yuan to small and micro enterprises, and inclusive financial services continued to develop in depth.