当下，“如何践行普惠金融”是近年来广大金融企业深入思考的话题。度小满坚持把普惠金融作为工作重点，通过创新小微金融服务模式等方式将“普惠”落到实处，为实体经济发展持续贡献企业力量。在Web3.0发展趋势高峰论坛上，度小满向大众分享了自身如何通过金融科技助力普惠金融。
At this point, & ldquo; how to practice inclusive finance & rdquo; is the subject of much thought in recent years on the part of a wide range of financial firms. At the Web3.0 Summit on Development Trends, Smidness has been able to share with the general public how it contributes to financial finance through financial technology by focusing on inclusive finance, including through innovative micro-finance models.
度小满参与编写《金融数智化风控与营销实践探索》
Participated in the development of Financial Digital Smart Management and Marketing Practice Exploiting
2022年9月3日，由中国社会科学院社会科学文献出版社、北京金融科技产业联盟指导，由北京区块链技术应用协会(BBAA)主办的“Web3.0发展趋势高峰论坛暨2022元宇宙、区块链、金融科技蓝皮书发布会”在2022年中国(北京)国际服务贸易交易会(简称服贸会)上成功举行，度小满科技(北京)有限公司首席财务官朱白帆出席论坛并发表演讲。
On 3 September 2022, under the direction of the China Academy of Social Sciences Social Science Documentation Press and the Beijing Federation of Financial Science and Technology Industries, and under the auspices of the Beijing Association for the Application of Technology in Block Chains (BBAA), & & & & & & & & & rdquo, Web 3.0 Development Trends Summit Forum & $2022 Space, Block Chains, Blue Book of Financial Science & Technology; successfully held at the China (Beijing) Trade in International Trade in Services Trade Fair in 2022, and attended and made a presentation at the Forum by Chu Baifong, Chief Financial Officer of Xiaoman Technologies (Beijing) Ltd.
会上发布了《中国金融科技发展报告(2022)》《中国区块链发展报告(2022)》《中国元宇宙发展报告(2022)》三部年度蓝皮书。其中，度小满参与编写的《金融数智化风控与营销实践探索》文章入编《中国金融科技发展报告(2022)》蓝皮书，文章展现了数智化风控与营销领域的实践成果以及金融数智化在风控领域和营销领域的发展趋势。
At the conference, China's Financial Science and Technology Development Report (2022), China's Block Chain Development Report (2022), China's Won cosmos Development Report (2022), was published in three annual blue books. Of these, China's Financial Number Intelligence Control and Marketing Practice Explorer (2022), which was produced with the participation of China, is a Blue Book of China's Financial Science and Technology Development Report (2022), which shows the results of several intellectual controls and marketing practices, as well as trends in financial intelligence in the field of wind control and marketing.
度小满以前沿技术构建普惠金融科技生态
朱白帆在题为“金融科技助力普惠金融发展实践”的主题演讲中，介绍了度小满建立普惠金融科技生态，践行数字普惠促进实体经济质效提升。朱白帆表示，依托AI能力，度小满从技术应用、平台技术、基础架构三个层面构建了企业的底层基础设施，并直接推动了前端业务的创新落地，如智能风控有效降低金融风险、AI识别实现全线上化金融服务、智能语音机器人提升用户服务质效，构建了普惠金融科技生态。
In the keynote address entitled “ Financial Science and Technology for Inclusive Financial Development Practices & & rdquo, Chubhu describes the low-level infrastructure of enterprises built from the three dimensions of technology applications, platform technology, and basic architecture, which promotes digital inclusion for real-economy performance. Chubaf states that is a small-scale capability that builds the bottom infrastructure of enterprises from three levels of technology applications, platform technology, infrastructure, and directly contributes to innovative landings of front-end operations, such as smart wind control effectively reducing financial risks,
围绕服务小微企业场景，朱白帆表示，度小满基于人工智能技术为小微企业提额降价、降本增效。通过独有的数据特征和算法，为小微用户“画像”进行精准的风险识别和判断，将央行征信报告解析为40多万维风险指标，提高风险区分度，使得小微金融风险降低25%。截至目前，度小满累计服务超过1200万小微用户，今年上半年为疫情中高风险地区小微用户提供额度1亿元的免息贷款，助力小微用户渡过难关。
Around the service microbusiness scene, Chu said that the mini-full was based on technologies to increase the price and efficiency of micro-enterprises. By providing unique data features and algorithms, the micro-user & “ & & rdquao; and by providing accurate risk identification and diagnosis, the central bank's letter report was interpreted as a risk indicator for more than 400,000 dimensions, raising the risk distinction and reducing the risk of micro-finance by 25%. As of now, small-full aggregate services have been provided to more than 12 million micro-users, providing 100 million interest-free loans to small users in high-risk areas of the epidemic in the first half of this year.
自成立以来，度小满可以说是将“普惠”落到实处、贯穿了企业的经营发展，通过金融科技帮助小微企业提额降价、降本增效，为小微企业长远发展持续护航。未来，随着普惠金融不断深化，小微企业也将享受到更优质的融资服务，更有信心和底气去扩大生产经营规模，为实体经济不断注入新活力。
Since its inception, the modest mark has been the & ldquo; the inclusive & rdquo; and the firm’s business as a whole, helping micro-enterprises to raise their prices, reduce their efficiency gains, and sustain their long-term development. In the future, as inclusive finance deepens, micro-enterprises will also benefit from higher-quality financing services, with greater confidence and bottom-up to scale up their production operations, thus giving new impetus to the real economy.
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