C-end consumer finance scenarios are repeatedly iterated, customer acquisition costs are rising, and customer stickiness is declining; B-end small and micro enterprises have urgent financing needs but lack good models. How can financial institutions use internet technology to better serve small and micro enterprises? This article will deeply explore the capabilities that a scenario platform suitable for small and micro financial services should possess, and how to build an industry-finance ecosystem for small and micro enterprises. 2018 is a very special year, marking the 40th anniversary of China's reform and opening-up, the 20th anniversary of the East Asian financial crisis, the 10th anniversary of the global financial crisis, and also the year when China made preventing and defusing systemic risks a key task and a new financial regulatory system began to operate. Under the new financial regulatory system, the financing problems of a large number of small and micro enterprises remain a difficult issue that urgently needs to be solved. In recent years, from special support policies of national ministries and special funds of financial institutions to fintech companies gradually shifting to empowering B-end small and micro enterprises, all are providing a better financing service environment for small and micro enterprises. However, limited by the operating characteristics of small and micro enterprises and the risk management methods of financial institutions, no breakthrough method has been found for the financing problems of small and micro enterprises. From the perspective of the characteristics of small and micro enterprises and the trend of scenario-based financing services, the currently more feasible solution is to refer to the scenario-based model of consumer finance, that is, to place scattered and single small and micro enterprises in trade scenarios, and through real supply chain transaction scenarios, combined with the structural design ideas of supply chain financial products, carry out financial services for small and micro enterprises. The scenario platform carries multiple attributes of customer traffic + transaction scenarios + financing access, and needs to have the following characteristics: Fission-based customer acquisition Traffic platforms will encounter customer acquisition boundaries, especially enterprise service platforms serving B-end. Industry, transaction models, and willingness of trading partners to cooperate are all factors affecting the platform's customer acquisition ability. Platform functions should be easy to use and strong, solve core business scenarios, and combine financing services to reversely drive trading partners, forming a fission-based pull effect for the platform and further enhancing customer acquisition ability. Financing as payment Small and micro financial services are typical "small, fast, frequent" businesses. Customers' loan usage cycles and habits determine that services must be online and convenient. The optimal solution is to embed financing services into the payment link, the link where customers most need to use funds in the scenario platform, using the financing touchpoint as a payment tool, and combined with online operations, further improving customer experience and convenience of fund usage. Digital risk control capability Among small and micro enterprises that generally lack mortgage and guarantee capabilities, data under real trade backgrounds may be one of the only credit bases that small and medium enterprises can provide and be recognized by financial institutions. While the platform serves enterprises and generates trade data, it also needs digital risk control capabilities. Based on bank risk control management requirements, combined with industry characteristics, trade scenarios, third-party data, etc., establish a multi-dimensional and comprehensive customer credit system portrait, and data-driven full-process risk control management capabilities. Scenario empowerment A scenario platform should not simply serve as an external traffic platform for financial institutions. It should more importantly output scenario-based capabilities, convert the bank's existing customers with digital capabilities, scenarioize the originally scattered and single small and micro enterprises, form the digital capability of financial institutions to serve enterprises, and assist financial institutions in establishing their own ecosystem. Finance is the foundation, technology is the tool. The Wenli Enterprise Platform is committed to providing core business scenario services for small and micro enterprises, enabling buyers and sellers to achieve intelligent collection and convenient verification. For small and micro enterprises on the platform, establish a digital full-process risk control management system, deeply embed financing touchpoints into customers' payment links, and provide financial institutions with comprehensive fintech services of scenario + traffic + risk control. At the same time, support the overall embedding and integration of the scenario platform into the enterprise supply chain service platform and enterprise service APP operated by financial institutions, empowering financial institutions with digital and scenario-based capabilities, building a small and micro service ecosystem, and enhancing small and micro financial service capabilities. -END-