Ping An Guarantee Guangdong Branch: strengthen the small and micro financing service of "saving worry, time and money"

Recently, the "Inclusive Finance - Microenterprise Index" operated by the Xinhua Index Finance and Trade Research Center shows that in the first quarter of 2024, the financing demand of small and micro enterprises will pick up, the cost will continue to decrease, the financing supply will stabilize, and the efficiency will increase steadily. On the whole, the market of small and micro enterprises will recover. Data shows that in the first quarter, the financing demand index of small and micro enterprises rose against the trend, reaching 154.44 points, up 35.81% month on month, unchanged from the same period in 2023.

Ping An Pratt&Whitney Financing Guarantee Co., Ltd. (hereinafter referred to as "Ping An Guarantee") insists on practicing finance for the people, tamping down the guarantee responsibility, constantly strengthening the financing service of "saving worry, time and money", meeting the financing needs of small and micro enterprises not covered by traditional finance, accompanying small and micro enterprises through the business cycle, and helping small and micro enterprises.

Careless and time-saving service, helping to make rice dumplings fragrant in Yangcheng

Before the Dragon Boat Festival, a food company in Shunde District, Foshan City, Guangdong Province worked overtime to make zongzi. As a packaging and processing factory of Guangzhou's famous zongzi brand, workers on the assembly line were more efficient with new intelligent packaging equipment. What they did not know was the "twists" behind the company's equipment upgrade.

Mr. Cao, the boss of the company, is a native of Foshan and has been engaged in the food packaging and processing industry. His business started very early and has a large scale, but the equipment is a little old and can not keep up with the development. This year, Mr. Cao also won a big order for the packaging of famous Zongzi brands. He also wanted to take this opportunity to upgrade the company's old equipment, but he was short of funds at the moment. At this time, he met Xiao Liu, the consultant of Ping An Guarantee Guangdong Foshan Branch.

After Xiao Liu learned about Mr. Cao's financing needs, he comprehensively considered Mr. Cao's assets and needs, and recommended Mr. Cao to apply for "car e-loan" products online through Ping An Guarantee APP. Mr. Cao received 800000 yuan of financing funds the next day, but Mr. Cao did not even leave the company after the whole process was completed, and only received large amounts of money through online APP, Mr. Cao immediately used it to upgrade the company's equipment. Within a week, new equipment was piled into the factory. A few months later, these devices have become an important power to help Zongye Fragrant Sheep City.

The time and energy of business people are valuable, and they need worry free and time-saving services. The "AI+O2O" service guaranteed by Ping An has become the entrance to quickly and accurately connect users and services. Offline, the consulting team, with the purpose of "we should take more steps, and enterprises should avoid detours", accurately understand the needs of small and micro entrepreneurs, help understand financial information with professional ability, provide face-to-face financing consultation, and solve the problem of information asymmetry of small and micro entrepreneurs. On line, create one-stop intelligent financing process, bring small and micro business owners a financing experience of "no blind selection, more convenient and more preferential" through technological innovation and process innovation, so that small and micro business owners can get low-cost funds as quickly as possible. The data and technology accumulated by Ping An Guarantee in 19 years can more accurately carry out risk control and improve the availability of small and micro financing services.

Customized financing scheme to save money for microenterprise financing

In 2024, under the leadership of the holding party committee of Lufax, Ping An Guarantee will "focus on customers and guide customers' needs", carry out in-depth research, actively explore and improve the working mechanism of "co deployment and co progress", continue to guide service upgrading and product iteration with customers' needs and aspirations, and implement the purpose of finance for the people.

Mr. Wang is the founder of a small and micro enterprise focusing on the R&D and sales of smart sockets, and is also a young scientific and technological talent with innovative spirit and market insight. He firmly believes that with the continuous development of technology, smart home will become the trend of future family life. However, Mr. Wang's company, as a start-up small and micro enterprise, is facing huge financial pressure in research and development, production and marketing. Although Mr. Wang has unique product design and market strategy, he lacks sufficient funds to support the rapid development of the enterprise.

At this critical moment, Mr. Wang learned about Ping An Guarantee, a small and micro enterprise financing brand, through his friends. With the recommendation of his friends, he and Xiao Li, a consultant of Ping An Guarantee Guangdong Branch, added WeChat. Xiao Li is also a young man who likes to follow the trend. He is very familiar with Mr. Wang's product concept and fully understands his difficulties. He recommended products with lower financing costs for him in combination with Mr. Wang's specific conditions. Finally, Mr. Wang succeeded in financing. This fund not only provides a strong guarantee for the R&D and production of the enterprise, but also strengthens Mr. Wang and his team's confidence in future development. The consultant's considerate customized service makes Mr. Wang's financing more economical.

After obtaining financing, Mr. Wang's enterprises began to accelerate their development. In this era full of opportunities, small and micro enterprises are willing to actively seek help and constantly strive for innovation and development, so they will be able to seize the opportunities and achieve take-off. Ping An Guarantee is willing to become a partner in the growth of small and micro enterprises.

Since 2024, Lufax Holding has adhered to the principle of "customer-centric", adhered to the bottom line thinking of technical security and data security, focused on AI, enabled customer operation, digital risk control, post loan service and other business links, and strived to achieve "four upgrades": to achieve "front-line team upgrading" through the transformation of AI assistant enabling team. Realize the "business model upgrade" of 100% guarantee mode through the improvement of digital risk control capability. Realize the transformation from "product" centered to "customer" centered through technology enabled products

It has always been the original mission of Ping An Guarantee to guard the economic "capillaries" and help small and micro enterprises to solve difficulties. This reflects the value proposition of "saving worry, time and money". The year 2024 is the "Three Provinces Promotion Year" of Ping An. Ping An Guarantee Guangdong Branch will continue to adhere to the spirit of craftsmanship, continue to adhere to the original intention of financial for the people, comprehensively turn to the new development model driven by customer demand, take customer demand as the guide, continue to improve product innovation capabilities, strengthen the construction of service system, and bring "worry free, time-saving, and money saving" to customers 's service experience.

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