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Zhongtengxin helps small and medium-sized banks accelerate digital transformation and solve the financing problems of self-employed households. If state-owned enterprises and central enterprises are compared to the "arteries and veins" of the national economy, then self-employed households are the "capillaries" of the national economy. The health of the capillaries directly affects the health of the entire social economy. Zhongtengxin learned that under the influence of the previous epidemic, the normal operations and resumption of production of self-employed households were blocked, which directly affected the labor market. Their innate ability to resist risks is weak. Once cash flow is blocked, the hundreds of millions of families behind them will also be hit hard, and systemic risks may even arise. Zhongtengxin learned that previously, the State Administration for Market Regulation, the National Development and Reform Commission, the Ministry of Finance, the Ministry of Human Resources and Social Security, the Ministry of Commerce and the People's Bank of China jointly issued the "Guiding Opinions on Responding to the Impact of the Epidemic and Increasing Support for Individual Industrial and Commercial Households" (hereinafter referred to as the "Guiding Opinions"). Increasing income, reducing expenses and solving financing problems for self-employed households are the main ideas for the implementation of this "Guiding Opinions". At the same time, Peking University * * Lecture on Jinguang Economics at the Development Institute * Huang Yiping, professor, deputy dean, and director of the Peking University Digital Finance Research Center, concluded, “Increasing income depends on economic recovery and epidemic control; reducing costs, we have seen in the near future, whether it is * * Enterprises and the private sector have developed many good practices, including the State Council executive meeting which also proposed measures to reduce or reduce property rents and reduce electricity prices. I think these are very good. At present, I think perhaps the most critical thing is external financing, and it is very important to give them financial support. ” All parties also put forward positive opinions on how to implement financial support and help self-employed individuals reduce the impact of the epidemic. Qi Shusen, assistant professor at the School of Management of Xiamen University and special researcher at the Digital Finance Research Center of Peking University, pointed out that the two types of financial services should be encouraged to develop side by side and complement each other to better help small and micro enterprises tide over difficulties and resume operations. He mentioned that traditional banks may not be able to cope with the massive, high-frequency, small-amount, and lack of collateral demand for small and micro loans. Chen Daofu, academic member of the Financial Technology Institute of Renmin University of China and deputy director of the Financial Research Institute of the Development Research Center of the State Council, also mentioned the above issues. Small and medium-sized banks are the main force in providing financial services to small, medium and micro enterprises in my country. However, they are currently facing difficulties such as insufficient capital, rising non-performing ratios, and imperfect internal governance. They have "insufficient capabilities" in providing preferential financial services to small, medium and micro enterprises. Unlike traditional banks, the automation of online lenders' loan processing and underwriting procedures enables online lenders to respond quickly to surging credit demand after the epidemic by providing borrowers with a greater supply of credit while maintaining consistent credit standards. Take Zhongtenxin, a financial technology service provider that focuses on customer acquisition and risk control, as an example. In the past few years, through biometrics, machine learning * , natural language processing, knowledge graph and other cutting-edge technologies, Zhongtenxin has realized mature applications in business scenarios such as intelligent customer acquisition, intelligent risk control, intelligent anti-fraud, loan decision-making, and post-loan management, realizing the digitization of the entire process and not being subject to physical branch services. During the epidemic, the traditional physical branch business of banks was affected. The online business model carried most of the financial needs, ensuring the smooth flow of the financial lifeline and providing strong support for epidemic prevention and control and national life. The emergence of such phenomena will also promote two changes to a certain extent: on the one hand, it will prompt financial institutions to accelerate the deployment of technology; on the other hand, it will bring favorable policy space for the long-term development of financial technology companies. Financial institutions represented by small and medium-sized banks can use Zhongtengxin's technology and experience to empower their businesses, gradually get rid of the restrictions of outlets, use financial technology to strengthen online business, improve the efficiency and capabilities of online financial services, and accelerate digital transformation.