Reporter: CHEN Bing

When you enter a commercial bank in Chongqing, a mountain city in southwest China, you will see a man of firm vision and vitality. He was dedicated to his work and from time to time discussed problems that arose in his work with his colleagues. He patiently entertained customers and always maintained a humble and polite demeanor. People who have had contact with him praise him unreservedly. It seems people never saw him acting impatient. He is SHI Xiaokang, a well-known digital credit analyst. Due to his outstanding achievements in the professional field, SHI Xiaokang was appointed as the senior expert of the China Innovation Think Tank by the China Academy of Management Science, which also led to more researchers recognizing this outstanding financial talent.

Originally from Chongqing, SHI Xiaokang is characterized by hard work, honesty and perseverance. SHI Xiaokang, who graduated from Chongqing Business University in 2009, was admitted to Xinjiang University of Finance and Economics and became a PhD student. Three years later, after his tireless efforts, he was eligible to graduate from Renmin University of China. He always strives for excellence in the academic field and constantly absorbs new knowledge, which is also the key for him to present constructive opinions and achieve great scientific research successes in the field of finance. Through years of practical and learning experience, SHI Xiaokang has developed a more comprehensive, more systematic and deeper understanding of financial credit management, made a qualitative leap in thought and also acquired profound theoretical basic knowledge of the financial credit system, thus laying a solid foundation for its further development on a professional and technical level. About this study period he said: “The study period is very valuable for me. My professor and my classmates taught me a lot. I enjoyed discussing issues with them and working together to complete a project.”

In 2015, SHI Xiaokang, a PhD student, decided to stay in Beijing and worked as a manager and senior consultant in the Beijing office of KPMG Enterprise Consulting (China) Co., Ltd. He said, “When I first went to Tiananmen Square, it was evening and the setting sun shone, it was warm, radiant and bright, which is unforgettable to this day.” SHI Xiaokang, conscientious, responsible and diligent in his work, is very aware of the problems in the industry in just a few years. Also, he has provided consulting services to clients with profound knowledge and professional attitude to avoid risk and bring greater value to clients. His excellent business skills have also won opportunities for company development.

However, as a person who has lived in Chongqing for more than 20 years, SHI Xiaokang still has a deep connection with his hometown, which is why he decided to quit his job in Beijing and return to his hometown of Chongqing. In his previous work experience, SHI Xiaokang noted that the characteristics of customer credit demand have changed greatly. In particular, the current traditional credit service model of commercial banks is difficult to meet customer needs. The market places new demands on time and experience when raising funds and enterprise risk management is also facing major challenges. In 2019, SHI Xiaokang officially joined Chongqing Rural Commercial Bank as the Model Review Monitor.

After entering the banking industry, SHI Xiaokang became more aware that banks and financial institutions are relatively backward in terms of business development mode, risk control system and means, and management concepts and mechanisms, resulting in banks being unable to adapt to the development needs of New Economy, New Finance and New Supervision. This places higher demands on the level of risk management and technology. Industry urgently needs to leverage data and technology to drive its digital transformation. In order to comprehensively promote the transformation and upgrading of commercial bank digitization, based on its rich professional experience and the spirit of independent innovation, SHI Xiaokang has successively developed scientific research results such as “Cloud-based customer credit loan access system V1.0”, “Bank blockchain asset management System Based on Trusted Continuous Immunity Technology V1.0” and “Bank Credit Card Customer Risk Warning System Based on Big Data Management V1.0”. These highly subversive intellectual property achievements have unleashed a new round of scholarly research storms in the financial industry. SHI Xiaokang is not only famous in the financial field, but also the status and influence of Chongqing Rural Commercial Bank in the industry has been greatly enhanced.

(The picture above is SHI Xiaokang)

Today, with the help of SHI Xiaokang, Chongqing Rural Commercial Bank actively practices the political and people-oriented nature of financial work, fully serves the real economy, further deepens reform and innovation, and effectively prevents financial risks. It has passed a financial “answer sheet” with sufficient quality, many highlights and high quality, which has become a typical case of high-quality development in Chongqing. As SHI Xiaokang keeps exploring the new way of digital development in finance, Chongqing Rural Commercial Bank has created a “new situation” in financial reform, becoming the first “A+H”-listed agricultural commercial bank in China. It also took the lead in establishing the country’s first agricultural commercial bank holding finance leasing company and the country’s first financial management agricultural commercial bank, becoming the country’s fourth and the first “Equator Bank” in the central and western regions . It has continuously pushed ahead with the reform of state-owned enterprises for three years and has been successively selected as the “Double Hundred Enterprises” by the State Council’s State-Owned Property Supervision and Administration Commission.

Nowadays, digital technology has become an important tool for many companies to explore and innovate and grasp the current situation. The reform of the digital credit system and the far-reaching adjustment of the financial sector are also being implemented quickly. Science and technology have become the basis for the realization of digital credit analysis and the guarantor of its continuous development, as well as the indispensable support for financial companies in assessing and defending against risks. SHI Xiaokang said, “It has become an important trend that financial technology advances along with the digital credit analysis industry. I will continue to specialize in the credit analysis industry, continue to improve the business model of the credit value chain, and strive to create a new ecosystem of digital credit analysis.” It is understood that SHI Xiaokang, with its long-standing persistence and love for the financial industry, will continue to make new breakthroughs in the field of digital innovation in the financial sector.

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