Inclusive Financial Solutions

♦ Service supply:
1. Improving supply: expanding and improving financial services in rural areas and promoting the coordinated development of physical networks, digital channels, etc1. Improving supply: expanding and improving financial services in rural areas and promoting the coordinated development of physical networks, digital channels, etc.
2. Green guidance: having the green development concept firmly embedded in the financial services, increasing the input of inclusive financial resources that meet the green standards and guiding the development of the green industry in rural areas.
3. Service innovation and industrial support: building up innovation of inclusive financial services, improving scenario-based financial services for specialty industries and the agricultural industrial chain, and constantly meeting the increasing demand of rural residents for comprehensive financial services.
♦ Client protection:
1. Improving the credit system: establishing the credit system for the "whites" using the AI technology coupled with local offline services.
2. Caring for the disadvantaged: exploring the credit value of rural women clients and the senior workforce; stepping up the care and support for the disadvantaged group affected by the "digital gap".
3. Client protection and capacity building: reinforcing the education and protection of financial consumers, conducting diverse financial educational campaigns, continuously facilitating the financial literacy of rural clients; optimizing data security and risk management capacities and protecting the clients' rights and interests.

Microcredit

Strictly following the principle of "small and dispersed", we offer credit services to rural micro and small business owners, supporting them in revenue-generating activities, boosting productivity and increasing their income.
"New purchase-on-credit model" for agricultural inputs:
Based on credit evaluation technology and agricultural data, we offer credit specifically to farmers purchasing agricultural inputs with interest-free periods of up to six months. We continuously innovate our products to better serve farmers and enable them to enjoy better profits. The model spans various farming projects such as corn, wheat, soybean, red chili, sunflower, beet, apple, cattle and sheep.

Micro-insurance

We have designed and developed an Internet-based insurance service platform through which we carefully select suitable micro-insurance products and services of all categories and popularize insurance knowledge so as to raise farmers' awareness to the importance of insurance. Giving full play to the preventive role of insurance in serving rural production and life, we seek to extend the coverage and penetration of inclusive insurance in the countryside.