Driven by the current wave of digitization, the integration of the digital economy and the real economy has significantly accelerated. Recently, at the 5th China Retail Finance Development Conference hosted by the Zero One Think Tank, Lujin Holdings (NYSE: LU; 06623. HK), with its leading financial technology, created high-quality and inclusive financial services, accurately serving the real economy, and was awarded& Quot; Top 50 Retail Finance Companies in China; Quot; And& Quot; Digital inclusive financial innovation service brand& Quot; Two honors.
Ping An Pratt&Whitney, as a small and micro financing service institution under Lujin Holdings, launched the O2O service model of "full online business process+offline consulting services" earlier in the industry, focusing on providing "worry free, time saving, and money saving" financing services for small and micro business owners, helping small and micro business entities reduce burden and gain gains, and stimulating growth vitality.
Strengthen digital applications to add vitality to small and micro businesses
Recently, the State Council issued the "Implementation Opinions on Promoting the High Quality Development of Inclusive Finance" (hereinafter referred to as the "Implementation Opinions"), proposing 38 measures and clarifying the specific path for promoting the high quality development of inclusive finance in the next five years. The focus is on six aspects, including strengthening the comprehensive leadership of the Party, focusing on key areas, and orderly promoting the development of digital inclusive finance.
As an important participant and promoter of inclusive financial development in the Chengdu Chongqing region, Ping An Inclusive Sichuan Branch focuses on regional characteristics, continuously enhances its support for the real economy and finance in the region, and utilizes cutting-edge big data analysis and AI technology to achieve digitalization and online financing processes such as approval and risk control. It has the characteristics of fast service speed, accurate risk control, and wide coverage, Assisting regional small and micro enterprises in effectively reducing their dependence on collateral, coupled with AI creating a flowing financing service experience, makes small and micro financing more "time saving, worry saving, and money saving".
Taking "Che E Loan" as an example, Ping An Inclusive Finance is a comprehensive financing service product jointly provided by partners to users in response to the "fast, frequent, and urgent" operational financing needs of small and micro business owners. Its products fully utilize the convenience of the Internet era, combining "people+cars" with comprehensive credit, allowing "car owners" to enjoy "full, convenient, and affordable" financial services.
In addition, Ping An Pratt&Whitney's "Land Accounting House" can apply for multiple financing service solutions through a set of processes through the application of technology. Customers can first conduct a preliminary evaluation of the system by entering information through "Land Accounting House", and select the optimal financing service plan based on the obtained financing amount and cost, so that small and micro financing is not blindly selected, more intuitive, and more convenient.
It is reported that as of the end of June this year, Ping An Pratt&Whitney has provided financing services of 193.4 billion yuan to over 850000 customers in the Sichuan Chongqing region, providing strong support for small and micro enterprises in the manufacturing, catering, environmental protection, new energy, agriculture, and other industries in the two regions.
Strengthen financial security and add resilience to small and micro businesses
In order to better utilize financial resources for the development of small and micro enterprises, Ping An Inclusive Sichuan Branch relies on the leading financial technology held by LuJinSuo to accelerate the digital transformation and upgrading of the risk control system, and to solve the problems of difficult, expensive, and slow financing for the majority of small and micro enterprise owners to the greatest extent.
Taking Ping An Inclusive's "micro loans" as an example, the "person+enterprise" risk assessment system of Ping An Inclusive can be used to effectively integrate subject credit information, improve the accuracy of small and micro enterprise owner profiles through multidimensional data mining, automatically form credit records, and effectively help small and micro enterprises solve the financing difficulties caused by light assets and no collateral. Through multidimensional and full process evaluation, small and micro business owners can obtain up to 1 million yuan of unsecured financing, greatly alleviating the pain points of small and micro financing.
Mr. Li, who produces plastic pallets in Mianyang, Sichuan, obtained financial support through Ping An's inclusive "micro business loans". This is really a timely rain, the application for a fund of 1 million in 30 minutes was approved! "Mr. Li, who received the news, couldn't help but feel the joy in his heart. With the injection of new funds, Mr. Li's project has successfully upgraded its technical equipment, comprehensively enhancing the strength and efficiency of the company's core patent research and development. The funds have activated the confidence of small and micro enterprises in scientific and technological innovation, and even opened up a sustainable development path for small and micro enterprises.
Mr. Li's plastic production workshop in Mianyang
Ping An Inclusive Sichuan Branch stated that as a small and micro financing service institution in the Sichuan Chongqing region, it should serve the main force of the real economy and maintain financial stability. It should continuously increase resource allocation, innovate financial products, and strive to undertake new missions and demonstrate new achievements in key areas such as the construction of western financial centers, green financial reform, and the development of science and technology innovation finance, To contribute inclusive financial strength to accelerate the construction of the Chengdu Chongqing dual city economic circle.
