Technology empowers finance, innovatively serves the real economy. This year’s Government Work Report emphasized strengthening full-chain financial services for Scientific and Technological Innovation, with Tech Finance becoming a key lever for promoting the high-quality development of finance. As a professional platform under FEHORIZON focusing on financial leasing for Small, Medium and Micro Enterprises (SMMEs), FEHORIZON Inclusive has consistently taken digital transformation and intelligent risk control as its core strategies. Leveraging an extensive nationwide network of more than 100 business outlets, it has cumulatively provided over RMB 96 billion in funding support to nearly 40,000 SMMEs, using technological means to address financing challenges and safeguard the development of the real economy.

Since the launch of the latest iteration of the YuanJian Intelligent Risk Control System, FEHORIZON Inclusive has entered a stage of deep application in intelligent development. The system is equipped with core modules such as AI Pre-Review, Customer Profiling, and Due Diligence Assistant, and can generate an automated pre-review report within ten seconds. Review efficiency has increased by nearly 50%, and the average number of projects approved per person per week has doubled; the proportion of Remote Due Diligence projects has reached 50%, and electronic signing accounts for more than 95%. Through Full-Process Online Service, SMMEs can fully enjoy an efficient and convenient intelligent financing experience.

Multi-Dimensional Data for Precise Identification

The YuanJian Intelligent Risk Control System effectively integrates external data such as taxation, invoices, credit reports, and judicial information, alongside authentic operating data accumulated internally from tens of thousands of clients over the years. It forms a complete system covering risk identification, credit decision-making, and early warning monitoring, strengthening Precise Prevention & Control across all risk control processes.

Case Study: Gaining Insight into an Enterprise’s Actual Revenue in Ten Seconds to Improve the Precision of risk identification

During the due diligence stage of a certain SMME, the YuanJian Intelligent Risk Control System efficiently integrated multi-source internal and external data of the enterprise. Through automatic extraction of enterprise information, intelligent risk identification, and content summarization, an automated pre-review report was generated in just ten seconds. The report precisely analyzed the proportion of suspected trade income within the enterprise’s revenue structure, provided a see-through view to reconstruct the enterprise’s true operating and financial health, and helped credit reviewers quickly identify potential risk points, significantly improving the accuracy of risk judgment and decision-making efficiency.

Expert Empowerment, Efficiency Enhancement

The traditional offline risk control models face a Scale Development Bottleneck, while big data-based risk control also confronts challenges regarding data authenticity. In response to the widespread information asymmetry among small and medium-sized enterprises, FEHORIZON Inclusive consistently adheres to the Group’s professional risk control system in industry and equipment sectors, effectively aligning and calibrating expert experience with data information to assist risk control personnel in conducting multi-dimensional risk identification based on industry, region, and customer data, identifying abnormal risk points, and improving overall operational efficiency.

Case Study: Customer Profiling + Due Diligence Assistant — A Dual-Engine Approach to Intelligent Risk Control Elevates Due Diligence Efficiency

In a certain financial leasing project, the enterprise had numerous related parties and a complex project structure, making it difficult for the traditional due diligence model to quickly clarify the overall risk profile of the enterprise. Powered by the Due Diligence Assistant of the YuanJian Intelligent Risk Control System, the platform can automatically and precisely map out the network of affiliated enterprises. It comprehensively integrates the enterprise’s overall Liability Scale, structure, and Loan Change Trend in recent years, and visually present asset conditions and Sustainable Operation Capability, thereby providing data support for Risk Judgment. At the same time, based on a rich Customer Case Library of enterprises in the same industry, the system intelligently generates Customer Profiling indexes and due diligence guidance for enterprise clients, providing credit reviewers with targeted Interview Key Points and Verification Focus, significantly improving due diligence efficiency.

Deep Application, Comprehensive Coverage

In line with the development trends of artificial intelligence, the YuanJian Intelligent Risk Control System integrates Localized AI Application Tools, continuously strengthening AI capabilities and actively exploring practical implementations. By deeply mining customer segment characteristics and conducting 360-degree scans of customer risks, the system continuously iterates and improves a risk management system that is based on massive data, powered by artificial intelligence, and guided by industry expertise.

After multiple rounds of refinement and optimization, the YuanJian Intelligent Risk Control System can rapidly integrate industry insights, market information, and multi-dimensional data. This enables the deep application of AI large models throughout the entire intelligent risk control process, covering full functional modules including project intake, AI pre-review, customer profiling, due diligence assistant, and early warning monitoring.

Looking ahead, FEHORIZON Inclusive will be guided by the Group’s strategy and continue to focus on the iterative upgrading of the “YuanJian Intelligent Risk Control System,” further integrating Big Data, artificial intelligence, and expert experience to continuously balance scale, risk, and efficiency, thereby strengthening the security barrier for inclusive finance. Meanwhile, leveraging the Group’s resources and nationwide service network, FEHORIZON Inclusive will continue to enhance service quality and efficiency through its digital and intelligent risk control capabilities. By injecting financial liquidity into more SMMEs and supporting the high-quality development of the real economy with professional expertise, FEHORIZON demonstrates its responsibility and commitment to serving national strategies and empowering industrial upgrades.