China's finance industry is backed by artificial intelligence, big data and cloud computing. Corporate credit information that was once hard to come by is now easily accessible for money-lending banks, making it easier to borrow and safer to lend. 

中国金融行业由人工智能、大数据和云计算等领先技术作为支撑，对于放款银行来说，曾经难以获得的企业信用信息现如今已较易获取，这使得借贷活动变得更加容易且更为安全。

When banks lend to businesses, they want to know if the borrower will be able to pay the money back. Digital technology can help with that decision. Lai Jun's company helps its clients with what she calls "intelligent risk control".

银行机构在贷款给企业时，会想了解企业方是否有能力偿还贷款，针对于此，维信交子公司以“智能风控”为核心的深度科技赋能平台，可以为普惠金融领域因信息不对称而带来的风险识别、防范和定价问题提供解决方案。

LAI JUN Deputy Manager, Chengdu Vcredit Jiaozi Digital Tech "The platform we provide – supported by blockchain, artificial intelligence and machine learning – reduces the cost of risk control and operation for our clients, most of whom are financial institutions. By doing that, we improve the efficiency of financial services for small and micro enterprises."

成都维信交子数字科技有限公司副总经理赖俊：“我们自主研发的全流程风控引擎蜂鸟平台——建立在区块链、人工智能、机器学习等领先科技基础上，能够实现合规数据支持的实时决策和秒级授信。可以为公司的主要客户即多数金融机构，降低风控与运营成本、提高服务小微实体的效率、提升风险管理水平。”

The company settled in Chengdu's Jiaozi Fintech Dreamworks, an incubator that works in partnership with government authorities. If Lai's company is a problem-solver for financial agencies, then it is the Dreamworks that made that possible. It offers multiple channels for investment and financing.

该公司落户于成都交子金融梦工场。交子金融梦工场是在人民银行成都分行营管部和成都市地方金融监管局的指导下，由成都交子金控集团打造的全国首个金融科技高品质科创空间。梦工场通过多渠道提供投融资服务，为入驻企业打造了一个完整的金融服务生态圈。如果说赖俊的公司是金融机构问题的解决者，那么让这一切成为可能的就是交子金融梦工场。

WANG JUAN Board Chairman, Jiaozi Fintech Dreamworks "We strive to create a broader financial center in western part of China. To achieve that, one of the things we do here is to arrange both virtual and in-person activities for investment and financing, to connect demand and supply. There are now more than 80 enterprises here that have obtained total funds of over 11 billion yuan."

交子金融梦工场董事长王娟:“我们致力于在中国西部打造一个更广阔的金融中心。为了实现这一目标，我们通过组织多场线上及线下的投融资活动来帮助企业同金融机构进行需求对接。截至目前，梦工场共有80余家企业获得各轮次融资，融资总额超过110亿元。”

"Let's say you own a quality business. And if you still have trouble securing loans, that's probably because the banks think they just see one part of the story about your company. Or you just don't know what options are out there. In other words, it's information asymmetry. Chinese banking authorities have narrowed that gap by designing an online credit platform in some parts of China. What used to be hard to access is now easily available to both lenders and borrowers."

如果一家优质的企业难以获得贷款，很可能是因为银行机构对该公司还不够了解，亦或是企业家不知道除此之外是否有其余贷款渠道。简而言之，就是信息不对称。针对于此，银行机构在部分地区通过搭建线上信贷平台来减少这一信息偏差。过去很难获得的信息，现如今，对借贷双方而言都更易获取。

Be it banking officials or finance industry insiders, it seems their efforts point to an unsaid consensus that backed by emerging technology and comprehensive data collection of the nation's top banking authorities, financial service level in China is poised to see more progress in a new era.

无论是银行从业者还是金融行业人员，他们所做的努力似乎都指向于一点：基于银行机构的新兴技术发展和全面数据收集，中国的金融服务水平将在新时代取得更大的进步。