GateUser-bd883c58

The article focuses on Ningbo Bank's practice of supporting small and micro enterprises and retail transformation through differentiated risk control. Its core admission principle is "familiar markets, understanding customers," targeting private small and micro businesses, manufacturing, technological innovation, and import-export clients in the Yangtze River Delta, reducing information asymmetry. Through a new generation of credit risk control systems, data integration, and intelligent risk control platforms, it enhances risk monitoring, early warning, and pricing capabilities. Digitalization, big data, and AI applications have resulted in a non-performing rate of only 0.76%, remaining below 1% for 19 consecutive years, with asset quality remaining stable. Conclusion: bank transformation relies on precise risk control and differentiated pricing, rather than mere scale expansion.