Shuhe Technology： Digital technology improves service quality and efficiency, and actively explores inclusive financial services.
In recent years, the state and local governments have continuously released positive signals to accelerate the deep integration of the digital economy and the real economy, and "digital and real integration" has become an important starting point for achieving high-quality economic development.
At the two sessions this year, many deputies to the National People’s Congress proposed to strengthen the research and application of digital technology, promote the integration of digital economy and real economy, and turn digital economy into an important starting point for China’s economic development. In order to achieve this goal, Jihe Technology has been taking technological innovation and model exploration as the driving force, exploring the dual innovation of digital transformation and service model, and integrating digital economy with financial technology.
Promoting the high-quality development of "digital and real integration" with the empowerment of science and technology
The "Tenth Five-Year Plan for the Development of Digital Economy" proposes to promote the deep integration of digital economy and real economy and achieve high-quality development. The "Report on Government Work in 2023" proposes: accelerate the digital transformation of traditional industries and small and medium-sized enterprises, and strive to improve the level of high-end, intelligent and green; At the same time, Report to the 20th CPC National Congress of the Communist Party of China also pointed out that it is the general trend to accelerate the development of digital economy and promote the deep integration of digital economy and real economy. At the two sessions, Chinese People’s Political Consultative Conference member Liu Shangxi also said: "The digital economy is the future of development, while the real economy is the foundation of development. The digital economy can upgrade the traditional real economy."
Looking at the domestic economy, the digital economy has shown a strong growth momentum. According to the data of the Ministry of Industry and Information Technology, from 2012 to 2021, the scale of China’s digital economy increased from 11 trillion yuan to over 45 trillion yuan, and the proportion of digital economy in GDP increased from 21.6% to 39.8%. At present, China’s digital economy ranks second in the world and has become one of the main engines to promote economic growth. The rapid development of digital economy and wide radiation range have given new kinetic energy to economic and social development.
As the connector of social and economic development, the financial industry has played a vital role in the digital transformation of the whole society. Behind the steady growth of the financial industry, digital transformation has played a significant role. Especially in the post-epidemic era, the financial industry urgently needs to re-examine the digital resilience in an uncertain environment, and digital transformation is an inevitable choice.
Under the wave of the continuous development of digital technology, many financial technology companies have made strategic adjustments, and Digital Technology is one of them. It connects digital technology with the real economy, promotes digital transformation with financial technology, serves the real economy, and promotes the development of digital symbiosis and digital integration, creating a typical sample of digital integration.
Empowering digital transformation with hard power of science and technology
Under the background of the rapid integration of digital economy and real economy in China, digital transformation has become a "required question" for the high-quality development of enterprises. On April 3rd, in the news of the State Council Information Office, Wang Jianwei, the first-class inspector of the Information Technology Development Department of the Ministry of Industry and Information Technology, said that in building an internationally competitive digital industry cluster, the following three key aspects should be carried out: First, in terms of digital industrialization, we should encourage the cluster development of emerging industries such as cloud computing, big data, industrial internet and artificial intelligence, and build leading enterprises with core technology products and strong ecological construction. Second, in terms of industrial digitalization, we will continue to promote the deep integration of the digital economy and the real economy. It is mentioned to actively explore digital application scenarios and accelerate the digital transformation of traditional industries. At the same time, it is necessary to cultivate and develop a number of digitally transformed technologies, products, services and solutions, and gradually lead industrial clusters to evolve and develop to a higher quality and level. Third, in terms of data value, accelerate the construction of a national integrated big data center system, give full play to the role of national computing hub nodes and national data center clusters, and cover the whole life cycle of data collection, storage, processing and analysis.
In recent years, Shuhe Technology has firmly promoted the digital transformation strategy, focused on building independent financial technology strength, achieved breakthroughs in artificial intelligence, big data and other aspects, led the development of industrial clusters of financial technology enterprises, and demonstrated the responsibility of enterprises.
On the level of technology empowerment, BetterCDS, a production and research tool platform independently researched and developed by Shuhe Technology, successfully passed the evaluation of advanced tools of Trusted Cloud-R&D Operation (DevOps) solution in the test of application development domain. And with the experience and strength in big data, Shuhe Technology has also become a full member of the china communications standards association Big Data Technical Standards Promotion Committee, and will work with industry partners to promote the development of big data technical standards and core technologies.
In terms of information security, Shuhe Technology builds a digital technology architecture based on financial technology to realize the digital closed loop of business and continuously improve the company’s digital security protection capability. All business data are encrypted and sent to a third-party cooperative institution with financial qualifications for system preservation; In addition to HTTPS and limited IP, the application layer of data, transaction and cooperation institution system communication is encrypted by SSL to prevent the risk of data leakage in communication.
Under the new situation of speeding up digital transformation, how to enhance the risk control capability of big data with technology empowerment and establish a panoramic intelligent risk control system has become an important measure for financial institutions to shape the core competitiveness in the digital finance era. In order to further crack down on anti-black-induced labor, Jihe Technology joined the "AIF Alliance", actively publicized and improved users’ financial awareness, actively intercepted and blocked users’ fraudulent behaviors, and comprehensively defended and protected users’ data security, and improved the protection of consumers’ rights and interests with a comprehensive service system and concept, which fully demonstrated the importance that Jihe Technology attached to consumer protection.
Financial consumers are the foundation of the development of financial industry. Protecting financial consumers means maintaining financial stability and protecting financial security and economic security. In order to do a good job in protecting the rights and interests of financial consumers and continuously improve their financial literacy, Shuhe Technology has thoroughly practiced the "customer core" and implemented the principle of customer-centeredness. In 2022, it upgraded its exclusive consumer rights protection team and established a new force for consumer protection in its internal organization.
In terms of consumer protection and anti-fraud, Shuhe Technology not only introduced targeted management measures for consumers, but also actively established internal education mechanism for consumer protection, so as to carry out special education on consumer protection, increase the frequency of post education for high-complaint businesses, and designate consumer protection education materials to educate employees on consumer rights and interests, improve training efficiency and strengthen employees’ awareness of consumer rights and interests protection.
serviceReal economy, help rural revitalization
Digitalization of small and medium-sized enterprises and building a digital village are also important contents of building a digital China. This year’s the State Council government work report pointed out: "Accelerate the digital transformation of traditional industries and small and medium-sized enterprises, and strive to improve the level of high-end, intelligent and green." In the digitalization of small and medium-sized enterprises, financial technology companies actively help solve the "difficulties", "pain points" and "blocking points" of financing for small and medium-sized enterprises, and promote financial institutions to "dare to lend and be willing to lend, but will lend" to introduce more financial living water for the digitalization of small and medium-sized enterprises, and inject momentum and vitality into the development of digital economy.
As a technology-driven financial innovation, financial technology is an important tool to help build a digital China and promote financial benefits to enterprises and the people. As the "connector" between finance and the real economy, how does Jihe Technology effectively improve the physical efficiency of financial services?
On the one hand, it focuses on helping small farmers, and provides display platforms and sales channels for various agricultural products based on its huge user base. Through the full-line service, financial services can go deep into the grassroots, reach the customer base that traditional finance can’t cover, realize rural revitalization and improve the penetration rate of inclusive finance; On the other hand, the implementation of the financial bail-out policy, based on the business needs of the small and micro-real economy, the small and micro-loan products of Shuhe Technology have been repaid, providing nearly 33 billion yuan of financial services to small and micro-business owners, involving more than 800,000 small and micro users, and involving many small and micro-real industries such as service industry and catering industry, helping small and medium-sized enterprises adapt to the big environment of economic recovery, stimulating the vitality of the real economy and stabilizing the people’s livelihood.
At the same time, in view of the current situation that normal financial activities are generally affected by the epidemic, Shuhe Technology has also released a brand-new brand "Good Borrowing and Good Repayment", creating a lending process of "Good Borrowing" and "Good Repayment" to play a small role in helping farmers, thus guiding more financial "living water" to flow to small and micro enterprises and new citizens.
As an enabler of financial technology, Shuhe Technology, through the construction of digital system, with leading technical concepts and underlying systems as tentacles, continues to serve the real economy with the power of finance, constantly iteratively optimizes the system, upgrades user services, and does not forget the initial intention of finance for the people. It actively practices the brand proposition of "borrowing well and paying back well" to help solve the financing problems of small and micro enterprises, so that financial services can benefit thousands of households and contribute its wisdom and strength to inclusive finance.
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