China's finance industry ∏☆× is backed by artificial intelligence, biΩ≈™g data and cloud com€≠™puting. Corporate credit infor☆→mation that was once har<σ÷d to come by is now easily accessible for moneσλ✔y-lending banks, making it easier to borrow  ™→and safer to lend. 

中國(guó)金(jīn)融行(xíng)業(yè)由人(r‍βén)工(gōng)智能(néng)、大(dà)數(shù)據§≥和(hé)雲計(jì)算(suàn)等領先技(jì)術(shù)作(zuò)為(wδ±≤'èi)支撐，對(duì)于放(fàng)款銀(yín)行(xíng)來(lái)說(shu ≥ō)，曾經難以獲得(de)的(de)企業(yè)信用(yòng)信息現(xiàn)如(rúπε÷∑)今已較易獲取，這(zhè)使得(de)借貸活動變得(de)更加容易且更為(wèi)↑♥↔→安全。

When banks lend to businesses, t♠λ πhey want to know if the bo♣÷rrower will be able to pay the monα™ey back. Digital tecβ&hnology can help with that decision. Lai↔‍ Jun's company helps its clients with what ∏↕α♣she calls "intelligent risk co¶Ω©ntrol".

銀(yín)行(xíng)機(jī)構在貸款給企業(yè)時∑‌↓$(shí)，會(huì)想了(le)解企業(yè)方是(shì)否有(yǒu)能(néng)力償還✔ (hái)貸款，針對(duì)于此，維信交子(zǐ)公司以δ±δ“智能(néng)風(fēng)控”為(wèi)核心的(de)深度科(kē♣♥$§)技(jì)賦能(néng)平台，可(kě)以  ≤©為(wèi)普惠金(jīn)融領域因信息不(bù)對(₽$↑&duì)稱而帶來(lái)的(de)風(fēng)險識别、防範和(hé)定價問(wèn‌γ₽£)題提供解決方案。

LAI JUN Deputy Manager, Cheng₩α₽du Vcredit Jiaozi Digital Tech "The platfo‍ ♣→rm we provide – supported λλ ☆by blockchain, artificial inte™ lligence and machine learning – reduces th÷★↕e cost of risk control and operation fo↓×φ≈r our clients, most of whom are finan<λβcial institutions. By ​∏σ<doing that, we improve the efficiency of f©ε ♦inancial services for small and micr₹$ o enterprises."

成都(dōu)維信交子(zǐ)數(shù)字科(kē)技(jì)有(yǒ♠πγ‍u)限公司副總經理(lǐ)賴俊：“我們自(zì)主研發的(de)全流程風(fēng)控引擎蜂鳥平δ®™台——建立在區(qū)塊鏈、人(rén)工(gōng)智能(néng)、機(δ&jī)器(qì)學習(xí)等領先科(kē)技(jì)基礎上(shàn∞φ≥₩g)，能(néng)夠實現(xiàn)合規數(shù)據支持的(de)實時(shí↕π☆±)決策和(hé)秒(miǎo)級授信。可(kě)以為(wèi)公司的(de)主要(yào)客戶即多'÷(duō)數(shù)金(jīn)融機(jī)構，×≠<降低(dī)風(fēng)控與運營成本、提高(gāo)服務小(xiǎo)微(wēi)實"♦體(tǐ)的(de)效率、提升風(fēng)險管理(lǐ)水(shuǐ)平。​↓”

The company settled in Chengdu'÷♦";s Jiaozi Fintech Dreamworks, an inc÷βεπubator that works in partnership with governmen♦σt authorities. If Lai's company is a prob≤↕↓♠lem-solver for financial age‍♥β∞ncies, then it is the Dreamworks t★•÷ hat made that possib±♥le. It offers multiple channels for&nbs≥↑p;investment and financing.

該公司落戶于成都(dōu)交子(zǐ)金(jīn)融夢工(gōng)場(ch↔®≥‌ǎng)。交子(zǐ)金(jīn)融夢工(gōng)場↑↕(chǎng)是(shì)在人(rén)民(mín)銀(yín)行(xínβ ↔•g)成都(dōu)分(fēn)行(xín&€→g)營管部和(hé)成都(dōu)市(shì)地(dì)方金(jīn)融監管局的(de)¥α 指導下(xià)，由成都(dōu)交子(zǐ)金(jīn)控集團打造的(de)✔♦≠全國(guó)首個(gè)金(jīn)融科(kē ↓)技(jì)高(gāo)品質科(kē)創空(kōΩ• ng)間(jiān)。夢工(gōng)場(chǎng)​≠✘ 通(tōng)過多(duō)渠道(dào)提供投融資服務，δλ為(wèi)入駐企業(yè)打造了(le)一(yī)個(gè)完整的(de)金(jīn)融服務生(≤‌®σshēng)态圈。如(rú)果說(shuō)₽$賴俊的(de)公司是(shì)金(jīn)融機(jī)構問(wèn)題的(de‍↓ ±)解決者，那(nà)麽讓這(zhè)一(yī)切成為(wèi)可(kě)能(néng)的(de)就∞≤∑(jiù)是(shì)交子(zǐ)金(jīn)融δ©夢工(gōng)場(chǎng)。

WANG JUAN Board Chairman, Jiaozi Fin÷≠tech Dreamworks "We strive to create a bro↑©♦ader financial center in western part of Chα®σina. To achieve that,×Ω one of the things we do here is to ar±→‍range both virtual and in-person π∏activities for investment aφ∞nd financing, to connect demand and supply. ‌ There are now more ☆₽® than 80 enterprises here ×λ‍that have obtained total funds ×​α‌of over 11 billion yuan.÷☆σ&"

交子(zǐ)金(jīn)融夢工(gōng)場(₹Ω¶ chǎng)董事(shì)長(cháng)王娟:“我們緻力于在中國(guó)西(xī)部打★≥"造一(yī)個(gè)更廣闊的(de)金(jīn)融中心。為(wè×≈•i)了(le)實現(xiàn)這(zhè)一(yī)目φ↔♣₩标，我們通(tōng)過組織多(duō)場(chǎng)線上(shàng)及線下(xià)♣§ →的(de)投融資活動來(lái)幫助企業(yè)同金(jīn)融機(j£ Ω↔ī)構進行(xíng)需求對(duì)接。截至目前，夢工(φ€gōng)場(chǎng)共有(yǒu)80餘家(jiā)企業(yè)♠λ獲得(de)各輪次融資，融資總額超過110億元。”

"Let's say you owφ•Ωn a quality business. And if you still  ♣♥have trouble securing loans, tα©hat's probably because the banks &♥ ♣think they just see one p✔∑art of the story about your company. Or you j€¥ust don't know what options are out there. →γ•In other words, it's information asymmetry.₩™♣ Chinese banking authorities ha<≤₽ ve narrowed that gap by designing a→" n online credit platform in some ↕σ parts of China. What used to≥​ be hard to access is now eas€¶‌≈ily available to both lenders §λ÷and borrowers."

如(rú)果一(yī)家(jiā)優質的(de)企業(yè)難以獲得(de)貸款，很(∏‍hěn)可(kě)能(néng)是(shì)因為(wèi)銀(yín)行(xíng)機(jī)構δ↓>對(duì)該公司還(hái)不(bù)夠了(le)解，亦或是(shì​®≈)企業(yè)家(jiā)不(bù)知(zhī)道(dào)除此之外(wài)是(shì)否有(>£∏yǒu)其餘貸款渠道(dào)。簡而言之，就(jiù)是(shì)信息不(Ω↑↔→bù)對(duì)稱。針對(duì)于此，銀(yín)行(xíng)機(jī)構在部分(f★Ωēn)地(dì)區(qū)通(tōng)過搭建線上(shàng)信貸平台來(lái)減少(shσ←ǎo)這(zhè)一(yī)信息偏差。過去×↑₩(qù)很(hěn)難獲得(de)的(de)信息，現(xiàn)如(rú)今，對(duì)借‌✘ σ貸雙方而言都(dōu)更易獲取。

Be it banking officialλ∞s or finance industry insiders, it seems their efλ ✔forts point to an unsaid conse₽☆↓'nsus that backed by emerging techπ™‌αnology and comprehensive data collectio✔≤n of the nation's top banking authorit≠☆‌ies, financial service level in China is poised tσ÷∞o see more progress in a new era.

無論是(shì)銀(yín)行(xíng)從(cóng)業(yè✘£±)者還(hái)是(shì)金(jīn)融行(xíng)業(yè)人(rén↕α>β)員(yuán)，他(tā)們所做(zuò)的(de)努力似乎都(dōu)指向于一( ×''yī)點：基于銀(yín)行(xíng)機(jī)構的(de)新興技(jì)術(♦★<shù)發展和(hé)全面數(shù)據收集，中國(‌‍∑₹guó)的(de)金(jīn)融服務水(shuǐ)平将÷®​在新時(shí)代取得(de)更大(dà☆ε✔)的(de)進步。