For small and micro enterprises, the most difficult thing at the beginning of starting a business is the cost of capital. This time, the "home loan link" means that while applying for credit services, one small and micro-family couple can invite the other to help themselves, thus obtaining a higher credit line and lower interest, which fully solves the financial problem in daily operations. On the occasion of the third anniversary of Xiaoman's founding, the "Dawn Plan" is specially issued to support and care for small and micro families, and is committed to providing low-interest loan services and family accident insurance with a maximum coverage of one million for 654.38+ 10,000 small and micro families nationwide.
Zhu Guang, CEO of Du Xiaoman Finance, said, "It is the mission of Du Xiaoman Finance to provide reliable financial services for more people and practice the inclusive dream with technology. Over the past three years, we have laid a solid foundation in technology research and development, ecological construction and customer service system construction. In the next three years, Du Xiaoman will continue to increase investment in artificial intelligence technology research and development, focus on small and micro customers, continue to reduce the overall financing cost of small and micro business owners, and provide reliable integrated financial services for 30 million small and micro business owners. "
Focus on technology
As a professional financial enterprise, Du Xiaoman inherits the technical strength and ecological advantages of Baidu's service to small and medium-sized enterprises, and takes technology as the core to accurately "portrait" small and micro business owners. For small and micro enterprises, in order to develop in such a huge market and gain a firm foothold, it is necessary to establish risk control efficiency in time and actively raise financing costs. Under the extremely strict credit audit environment, Du Xiaoman identified more than 400,000 risk indicators with the help of artificial intelligence technology, which improved the credit efficiency and reduced the risk by 25%.
Help the poor and help the farmers to shoulder the responsibility.
It is worth mentioning that Du Xiaoman has never forgotten his strong responsibility as a domestic financial enterprise while devoting himself to solving the funds of small and micro enterprises. During the period when the epidemic broke out and all localities were in business difficulties, Du Xiaoman Finance launched the "Small and Medium-sized Merchants Assistance Plan", with an initial investment of 654.38 billion yuan and a daily loan interest rate of 0.0 1% (annualized 3.65%) to help them resume business as soon as possible. At the same time, at the third anniversary conference, Zhu Guang, CEO of Du Xiaoman Finance, also announced that he will continue to practice social responsibility in the next three years and issue 654.38 billion interest-free and low-interest loans every year to help rural revitalization and accurately help small and micro counties and villages with industrial driving effects.
As a domestic financial technology enterprise, Du Xiaoman is well aware of the difficulties of small and micro development, and actively launches suitable financial product projects to provide more development space for small and micro enterprises. In the process of rural revitalization, we also do not forget our mission and strongly recommend rural revitalization activities. In the future, Du Xiaoman will continue to provide reserve funds for small and micro people and more people in need with scientific and technological strength.