wen|laikazhiku zhuixin

编辑|G3007

zuijin，yizhongshangshidejinrongkejigongsiluxufabulezuixinde2023niancaibao。

zhengtilaikan，tongguozhuanxingyijidiaozhengyewujiegou，jinrongkejigongsidejingyingyejidouzaiqiwenhuisheng，gegezhibiaodouchengxianzhengxiangfazhan。

duibilaikan，yingshouguimozuidadeshilujinsuo，2023nianludeshouru343yiyuan，danlirunguimozuidadeshiqifukeji，nianduguimujinglirunwei42.85yiyuan。ciwai，congshizhiheyingshoulirunfangmianlaikan，xingyeyezaijinyibufenhua，qizhongqifukejihelujinsuoweiliediyizhenying，lexin、xinyekejiweidierzhenying，yirenjinkedengweidisanzhenying。

touguocicicaibao，jinrongkejixingyezhengtishangyechengxianchuliangdaqushi，yifangmianshitongguoduiyewuzhanlvedezhuanxingdiaozheng，zhonggoufengkongcelve，zengqiangfengxianguanli；lingyifangshitongguobujuhuoyinruaidamoxingdezuixinjishu，jiangqiyunyongzaigegeyewuchangjingzhong，shixianjiangbenzengxiao。erzaiyewufangxiangshang，xiaoweiqiyederongzibangfuchengweigegejinrongkejiqiyedezhanlvezhongdian，bingcongguoneixianghaiwaifazhan。

erzaizibenshichangshang，laikazhikuyezhuyidao，zheixiejinrongkejigongsiyeshidongzuopinpin，biruqifukeji、xinyekeji、yirenjinkedengdouxuanbuqidonghuojiadalehuigoulidu，yizhangxianduizishenyewufazhanqianlidejiandingxinxin，lujinsuo、lexinzetongguopaifaguxihuoxianjinfenhongdefangshi，jiadaduitouzizhedehuibao。

dangqian，jinrongkejigongsijianguanyiburuchangtaihuajieduan，zaikejilidejiachixia，qiyewumoshiyebujinjinjuxianzaichuantongdezhudaihejinrongruanjianfuwushangshang，ershizhuanxiangletigonggengweiquanmiandejinrongxinxijishujiejuefanganheyunyingfuwu，zheixiedouchengweijinrongkejixingyeweilaizouxiangdezhongyaozhujie。

01 转型成效凸显，整体业绩稳中有升

congyifabunianbaodejinrongkejigongsilaikan，chulelujinsuo，qitagongsizaiyingshoulirun、fangdaiguimoyijiyonghuyunyingdenggefangmian，2023niandoubaochizhezengzhangdetaishi。

biruzaiyingshoulirunfangmian，jinguanlujinsuonianduyingshouzaijijiazhongguimozuida，danshijiaoqunianhaishichuxianledafuxiahua。qifukejifazhanwenjian，jinglirunguimojixubaochilingxianyoushi，erlexin、yirenjinkedeyingshou、jinglirunzehuifudaoliangweishudezengzhang。

jutilaikangejiadecaibao，zai2023nian，lujinsuoshixianyingshou343yiyuan，tongbixiahua41.1%；jinglirunwei10.34yiyuan，tongbixiahua88.2%。qifukejiquannianshixianjingshouru163yiyuan，tongbixiajiang1.59%，dangongsigudongyingzhanjinglirun42.85yiyuan，tongbizengzhang6.49%；lexin、xinyekeji、yirenjinkedenianduyingshoufenbiewei131yiyuan、126yiyuan、49yiyuan，tongbifenbiezengzhang32%、12.7%、42.5%，guishuyugongsiputonggudongdejinglirunfenbiewei10.7yiyuan、23.4yiyuan、20.8yiyuan，tongbifenbiezengzhang30%、3.29%、74.09%。

zaijingyingzhibiaofangmian，2023nianyousanjiacuohefangkuandeguimoyedoujunbaochiliangweishudezengzhang。qizhongqifukejidenianducuohefangkuanguimogaoda4758yiyuan，tongbizengzhangda15.4%；xinyekejidenianducuchengjiaoyieda1943yiyuan，tongbizengzhang10.8%；lexinquannianjiaoyie2495yiyuan，tongbizengzhang21.9%；yirenjinkededaikuanzongewei360yiyuan，tongbizengzhang59.3%。

lingwaicongzaidaiyuelaikan，jiezhi2023nian12yue31ri，qifukeji、xinyekeji、lexinzaidaiyuezongefenbiewei1864.78yiyuan、674yiyuan、1240yiyuan，tongbifenbiebianhua14.1%、4.3%、24.5%。

congxinyonghushulianglaikan，jiezhi2023nianmoyousanjiapingtaileijizhuceyonghushuliangjunshixiantongbichao10%zengzhang，qizhongqifukejileijizhuceyonghu2.35yiren，tongbizengjia12.8%；lexinleijizhuceyonghushuliang2.1yiren，tongbizengjia11.1%；xinyekejileijizhuceyonghushuliang1.8yiren，tongbizengjia13.0%。congzheifangmiankan，duiyuyoucduanyewudejinrongkejigongsilaishuo，2yizhuceyonghujiangchengweixingyeyigexindefenshuiling。

duiyucicizhengtiyejidebiaoxian，zheixieshangshijinrongkejigongsijunjiangqiguiyinyuzishenyewumoshidezhuanxing，bingqietongguojingxihuayunying，shoujinfengkongcelve，congeryingduihongguanjingjihuanjingbuquedingxingdailaidefengxian。birulujinsuofangmian，jiuzai2023nianchixutuijinyewumoshizhuanxing，tongguoyouhuadaikuanjiegou、jiaqiangfengxianguanlihetishengfuwuzhiliangdengfangshi，xingcheng“xiaofeijinrongyuxiaoweirongzi”deshuanglunqudonggeju。

lujinsuodongshizhangjianceozhaorongshitoulu，congzhangqilaikan，xinyewumoshijiangyouzhuyugongsihuodegengdadeyewuzizhuxing，zaishouruhechengbenshangdounengqudegenghaodepingheng。zai2023niandisanjidumogongsiyiwanchengxiang100%danbaomoshideguodu，2023niandisijidupuhuixinzengdaikuanquanbuyouxiaofeijinrongzigongsizuoweibiaoneidaikuanfafang，huoyoupinganpuhuirongzidanbaoyouxiangongsizai100%chengdanfengxiandeyewumoshixiatigong。

erqifukejijinnianlaizaizhujianxiangbuchengdanxinyongfengxiandeqingzibenhuazhuanxing，zheiyeshidangqianjinrongkejixingyezuizhuliudefangxiang。caibaoshujuxianshi，zai2023nianqifukejicuohefangkuanguimozhong，yue57%defangkuanweitongguoqingzibenmoshi、iceheqitajishujiejuefangansuotigong，zheizhongbuchengdanxindaifengxiandefuwu，duiyubangzhugongsiyouxiaohuajiebulihuanjingxiaderuoganfengxianzuochuleyoulidegongxian。yucitongshi，qifukejihaitongguoqianrushimoshi，chixushenhuayujinrongjigoudehezuo，jiangzhengtirongzichengbendafujiangdizhilishizuidishuiping。

duixinyekejilaishuo，qiguoneiwaiyewu“shuanglunqudong”zhanlve，yezai2023nianchanshengleshixiao。qizhong，guoneiyewuyanxuwenjianyouzhizengzhang，yingshouda104.1yiyuan，tongbizengzhang4%。guojiyewufangmian，2023nianshixianyingshou21.4yiyuan，tongbizengzhang85.9%，zhanjituanyingshou17%。jupilu，muqianxinyekejiyizaiyinni、feilvbinjianlileshendubendihuadejinrongkejipingtai，bingzailameidiqukaizhankejifuwuyewu。

02 科技“浓度”拉满，AI技术投入赋能全业务

jinrongkejixingyezhengtiyejihuifuxianghaodebeihou，gejiayezaijiadaduiyanfadetouru，tuxianxingyede“keji”shuxing。congcicicaibaotouludexinxilaikan，yidamoxingweidaibiaodederengongzhinengjishu，yijingzaidianxiao、kefu、cuishoudengzhuyaoyewuliucheng，yijiyanfadaimafuzhu、shejichuangyishengcheng、shujufenxidengbangongchangjingzhongguangfanyingyong，tishenggongsizhengtideyunyingxiaolv，yeweihouxuyejidezengzhangtigonglezhicheng。

birulujinsuo，tongguojieherengongzhineng、dashujudengjishu，muqianyidazaochuzhinengkefupingtaiyijiaizhinengdaikuanjiejuefangan“xingyun”，qizhongzhinengkefuyijingyingyongzaiyewudangzhong，weilaihuichangshixunlianfengbiyudeshengchengshiduihuayinqing。shujuxianshi，2023nian，qizhinengkefupingtaileijifuwukehu783wanrenci，zhinengkefupingtaijiejuelvchao84%；“xingyun”zeyileijifuwukehu94wanren，kehuleijihuodejiekuan2181yiyuan，shenqingliuchengpingjunhaoshijiangdi31%，duandianshugaishan50%。

erduiyudangqiandaredeaidamoxingjishu，jinrongkejigongsigengshizhengxiangtuichulezhenduixingdejinrongxingyejiejuefangan，jiasushixianjishudeluodiyingyong。zaozai2022nian，qifukejibianqidongledamoxingtuanduijianshe、suanlizhunbeihejishuyanfagongzuo，jiangdamoxingqueliweigongsidezhanlvejixiangmu。suihoude2023nian，gongsiqingzhudaliangzijin、renlijiqitaguanjianziyuan，quanlituijindamoxingdefazhan。jingguoyinianduodeshijiantansuo，qifudamoxingzaiyingxiao、dianxiao、bianchengdengduogechangjingzhongjunqudelexianzhuchengxiao。

yiyingxiaolingyuweili，qifukejichenggongdijiangaigcyudamoxingjishuxiangjiehe，xingchenglezidonghua+aigcdequanbihuannengli，muqianchaoguo70%detupiansucaihe20%deshipinsucaidouyouaishengcheng，zheixieshengdong、jingzhundeneirongbujinjidadifengfuleyingxiaoshouduan，haichenggongyouhuale9%deshouxinchengben。

lingwaizaidianxiaozuoxifangmian，tongguoweizuoxitigongxiansuotilian、yuyifenxihehuashuyouhuajianyi，qifudamoxingfunengdedianxiaozuoxileijifugaileyue1300wanyonghudegoutong，shidanyonghudongzhijinetishengyue5%。chulezhijiefunengyewuyunzuo，damoxinghaizaiwuxingzhongtuidongleyuangonggongzuoxiaolvdetisheng，weikaifazhetigongyigegengweigaoxiao、zhinengdebianchenghuanjing。biruqifudamoxingdelingyiyingyongfenzhi——yuzhiaizhuanjiayixianhoukaifachuaigongju、aiwenda、aidaimabuquandenggongneng，leijishengchengchaoguo2wangedaimakuai、46wanxingdaima，aiyijingtidaile15%dedaimabianxiegongzuo。

quniansijiduyilai，lexinziyandamoxingyingyongjiasuluodi，zaiyonghuhuaxiangshibielingyukaishifahuizhongyaozuoyong。birutongguoxunlian，damoxingnenggouzidongfenxiduozhongshujuyuan，shibiechuyonghusuozaixingye、haikuanyiyuandengxinxi，weichayihua、gexinghuadekehuhuaxianghebiaoqiantixidegoujiantigongleyoulizhichi。ciwai，jiyudamoxingfuzhukaifadeyidongguiyinxitongyezhengshishangxian，shishijianceyewuzhibiaobianhua，shixianzidonghuayujingheguiyin，weijueceshuzihuahezhinenghuatigonglezhongyaozhicheng。

xinyekejiyejiangqianyankejiquanmianyingyongyujinrongyewugeleichangjing，tuichuleyixilietishengpuhuijinrongshuzihuashuipinghefuwuxiaolvdekejichanpin，tebiezaixiaoweifuwupingtaijianshe、shijuefanqizha、duoyuzhongyuyinjiqirendengfangmianhuodeletupoxingdebiaoxian。yirenjinkezegoujianleyi“ai+duoyuanchangjing”deyewuzhanlve，yanfadeaiyiyingyongdaoshijichangjingzhong，zaixiaofeijinrongshang，ruaidianxiao、aishenhefengkongdeng；zaibaoxianjingjishang，ruxubaotixingjiqirenjizhanyejiqirendeng，jiangbutongchanpinjingzhunchudayouzhiyonghu，dafujiangdigongjifangdehuokechengben，tongshiyedafujiangdifengxianshuiping。

suizhejinrongxingyeshuzihuazhuanxingdejiasu，yuelaiyueduodegongsicanyubujujinrongxingyedamoxing，jinrongkejigongsiyedouzaitansuotupochangjingkunjing，yigenghaodetishengfunengyewudexiaoguo。guoqudeyinian，jinrongdamoxingyizaineirongshengcheng、zhinengyingxiao、huokexiaoshouyijifengxianguanlidengyewulingyukaishifahuijiazhi，shejiyunying、kefu、yingxiao、fengkong、yanjiuyijidaihoudengduogechangjing，zheixiejishuhechangjingdejiehe，weidamoxingzaijinrongxingyedeweilaifazhankaipileguangkuodedaolu。

03 响应政策号召，帮扶小微企业成共识

jinniandezhengfugongzuobaogaozhong，tebietidao“zhichizhongxiaoweiqiyehegetigongshanghufazhan”shijinhoudegongzuozhongdianzhiyi。qunian10yue，zhongyangjinronggongzuohuiyiyetichuzuohaopuhuijinrongdengwupiandawenzhang，guliduoyuanzhutituidongpuhuijinrongxiangzhegaozhiliangjieduanfazhan。

yizhiyilai，xiaoweiqiyeshiwoguoshichangzhutidezhongyaozuchengbufenhezhichijingjihuolideguanjianhuanjie，zaiquanguoshuliangchaoguo5000duowanhu，danzaiduixiaoweiqiyedejinrongxindaifuwufangmian，yemianlinzhexinxibuduicheng、fengxiannanyibakongdengtiaozhan，daozhijinrongfuwunanyijingzhunpipeiyonghuxuqiu。ersuizhejinrongkejiqiyetongguoyunyongzhinenghuakejihuashouduan，weizheiyiwentitigonglexindejiejuefangan。

zaicicigejiajinrongkejigongsipiludecaibaozhong，yedoutidaotongguoshuzihuadejishushouduan，bangzhuzhongduoxiaoweiyijixiaoxiaoweiqiyejiejuerongzinan、rongziguifangmiandejucuo，bingjiangqizuoweiyewufazhandezhongdian，shixiangongsijiazhiyuxiaoweiqiyefazhandeshuangxiangbenfu。

biruqifukejitongguodamoxingjishudefuneng，chenggongshixianleduixiaoweiyonghuxingyetezhengdezhongxindingyiyuhuafen，xingyexinxifugailvgaoda94.5%。tongshi，gongsihailiyongzhishironghe、tuiliyufaxiandengjishushouduan，goujianlexiaoweiyonghuzhishitupu，shendupouxileduozhongfuzaguanxileixing，weifengxianguanliheyonghuquanshengmingzhouqiguanlitigongleyoulizhichi。

shujuxianshi，jiezhi2023niansijidumo，qifukejiyiweizhongguochaoguo2610wandexiaoweijijiatingjianzhixiaoweiyonghutigongleshiyongyuxindaichangjingdexingyebiaoqian，bingxiezhujinrongjigouweifanxiaoweiyonghutigong1621yiyuanzijinzhichi，fanxiaoweiyonghuzhanbicong30%tigaodao50%。

guoquyinian，lexintongguofugai30geshengshizizhiqu、336zuochengshidepuhuizhiyinghuoketuandui，fahuixianxiahuokehefengkongdeyoushi，fuwuxiaowei、xiaoxiaoweiqiye，zhulipuhuijinrongfazhan。jiezhimuqian，lexinpuhuiyileijiweichaoguo400wanxiaowei、getigongshanghutigongyouzhijinrongfuwu，jiaoyiechaoguo350yiyuan。

xinyekejidecaibaoyexianshi，2023nianweichaoguo81.1wanjiaxiaoweiyonghuhegetigongshanghutigong470yiyuanxindaikejifuwu，jiaoyietongbizengzhang8.5%，bingtuichulexiaoweishanghufuwuzhinengpingtai“hailuyunxitong”，gaixitongfugaixiaoweijinrongfuwudequanyewuliucheng，tishenglexiaoweiqiyeyuxianxiamendiandeshuzijingyingshuiping。shangxianyilai，hailuyunxitongyileijiwei50wanyonghutigongfuwu。

duiyuyi“xiaoweirongzi”weizhuyaozhanlvedelujinsuo，zai2023nianyejinyibujiadaleduixiaoweijingjifadadiqujizhongdianxingyelingyudejingzhunzhichilidu，tongguolinghuoduoyangdexindaichanpinhegaoxiaobianjiedeshenpiliucheng，bangzhujiejuexiaoweiqiyerongzinan、rongziguidewenti，quannianleijiweichaoguo15.1wanjiaxiaoweiqiyezhutigonglewuxudiyadexinyongdaikuanfangan。

keyishuo，zaituidongxiaoweiqiyeyijipuhuijinrongfangmian，jinrongkejiqiyezhengzaibanyanzhezhongyaodejiaose，liyongdashujufenxi、rengongzhinengdengjishucujinjinrongjiaoyishuangfangyouxiaoduijie，yi“shuju+xinxi+xindai+fengkong”dezhihuijinrongfuwumoshizaizijingongxu、jinrongkejiyijijinrongfuwuzhijianlianjieziyuan，shixian“xianshang+xianxia”youjijiehe、jinrongchanpinzixuntongda，chedijiejuexinxibuduichengwenti，zheixiedoujiangyouliyuweixiaoweiqiyetigonggenggaozhiliangdepuhuijinrongfuwu。

结 语

congzheijiniankan，jinrongkejileiqiyezaijianguanheguidezhiyinxiachixudiaozheng，“jinrong”deshuxingzhengzairuohua，er“keji”denongduyuelaiyuegao。

dalangtaoshazhihou，xiancundejinrongkejigongsijibendouzhaodaoleyinglimoshi，fazhanlujinggengjiaqingxi。bujinxiangyingzhengcehaozhao，jiaqiangzishendefengxianguankong、jijizhichixiaoweiqiyedefazhan，tongshihaijijilvxingshehuizeren，zaixiaofeizhequanyibaohu、aifanzha、dajiheihuichandengfangmianfahuizishenjiazhi，youwangjiangtuidongjinrongkejizaigengduolingyudeyingyonghechuangxin，weishuzijinronggaozhiliangfazhantigonggengjiayoulidezhichi。