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深圳前海微众银行股份有限公司(简称：微众银行)于2014年12月正式成立，是国内首家数字银行，由腾讯等知名企业联合发起设立，受国家金融监管部门监管。 Washington, Oct 15 (UNI) US President Joe Biden has called Pakistan one of the most dangerous nations in the world.
Biden was speaking at a Democratic congressional campaign committee reception on Thursday, when his comment on Pakistan was made, a transcript of the address, published on the White House’s website, quoted Biden as saying: “… And what I think is maybe one of the most dangerous nations in the world: Pakistan. Nuclear weapons without any cohesion.”
There was a lot at stake, Biden said, emphasising that the US had the capacity to lead the world to a place it had never been before. He asserted "The world is changing rapidly, so much so that it is beyond control, not because of any one single individual or one nation though,"
“Did any of you ever think you’d have a Russian leader, since the Cuban Missile Crisis, threatening the use of tactical nuclear weapons that would — could only kill three, four thousand people and be limited to make a point?
“Did anybody think we’d be in a situation where China is trying to figure out its role relative to Russia and relative to India and relative to Pakistan?”
Talking about his Chinese counterpart Xi Jinping, the US president termed him as a man who knew what he wanted but had an “enormous” array of problems.
“How do we handle that? How do we handle that relative to what’s going on in Russia? And what I think is maybe one of the most dangerous nations in the world: Pakistan. Nuclear weapons without any cohesion,” Biden said.
He said this while talking about the Russia's invasion of Ukraine and its impact on the world as well as US' relationship with other countries.
He also pondered on America's equation with Pakistan and China.
On Pakistan, Biden said “maybe one of the most dangerous nations in the world: Pakistan. He explained his comments adding "Nuclear weapons without any cohesion.”
Reflecting on his relationship with China, Biden said his predecessor Barack Obama had assigned him the task of engaging with Xi Jinping.
“I’ve spent more time with Xi Jinping than any person in — any head of state in America — (or) in the world. I spent over — they keep count of it — 78 hours’ worth.
"Of that, 68 were in person, over the last 10 years, because Barack knew that he couldn’t be dealing with a Vice President. And so, he assigned me," the US president said.
“This is a guy who understands what he wants but has an enormous, enormous array of problems,” Biden said about Xi.
The US President said Vladimir Putin's aim was to split North Atlantic Treaty Organization (NATO).
"One thing that Putin decided — counted on was us splitting NATO. Not a joke. Splitting NATO. And look what’s happening. Look what’s happening in the eastern front of NATO."
His comments came a day ahead of Putin's who at an Astana event said he had no wish of engaging with Biden.
UNI ING。微众银行不设线下实体网点，所有业务均依托线上渠道数字化开展，聚焦普惠金融，服务大众与中小微企业。
打磨多元产品服务，拓展普惠金融服务边界
微众银行自成立之日起，便以科技为核心发展引擎，以“让金融普惠大众”为使命，为普罗大众和中小微企业提供平等、安全、高效、普惠的优质金融服务。 微众银行的金融服务包括个人金融和企业金融。
B | 个人金融产品有微粒贷、微账户、微众银行财富+、微车贷等，企业金融产品有微业贷，还推出了企业金融服务品牌微众企业+，打造全链路数字化企业服务生态。 微粒贷是微众银行于2015年推出的首款线上小额信贷产品，内嵌于手机QQ和微信平台。微粒贷授信额度范围为500元-20万元，年利率(单利)3.06%-23.76%，按日计息，支持提前还款且不收取违约金。
C | 截至2025年末，微粒贷累计服务超8000万借款客户，切实满足普罗大众的小额消费信贷需求。 微业贷是微众银行于2017年推出的国内首个线上无抵押企业流动资金贷款产品，无需纸质材料，线上申请，最高可贷1000万，审核通过后最快1分钟到账，有效降低了中小微企业获得融资服务的门槛，让分散在全国各地的中小微企业都能随时随地获得高质效的线上金融服务。
构建高效组织体系，打造可持续人才发展生态
依托丰富多元的产品矩阵，微众银行持续扩大普惠金融服务覆盖面，而业务的稳健发展，离不开科学完善的组织治理体系与高素质人才队伍作为坚实后盾。自成立以来，微众银行便构建了敏捷组织、创新文化与优秀人才的“黄金三角”，秉持“以人为本”理念，不断完善员工福利保障体系，邀请家属走进微众、开设WeBaby幼托中心等方式，平衡员工的工作与家庭生活。 人才培养方面，微众银行持续吸纳AI、大数据、云计算等领域专业人才。依托“We 学堂”培训平台，分层开展干部与全员培养，全年线上线下课程资源完备，多方面培养人才;同时搭建全员AI能力图谱，开设系列专项课程并落地能力认证，培育数字化复合型人才。长期稳定高比例科技投入，搭配干部梯队建设、产学研协同机制，持续夯实金融科技人才储备，为AI原生数字银行建设筑牢人力根基。 坚守社会责任底色，落实无障碍金融服务
微众银行秉持普惠金融初心，积极推进无障碍服务建设，保障特殊群体平等、便捷地享受数字金融服务。针对听障群体，微粒贷搭建专属手语服务团队，开通远程视频核验通道，简化业务办理流程;针对视障用户，微众银行对微粒贷、微众银行财富+两大核心产品完成语音读屏适配改造，优化界面展示、产品信息读取功能，依托技术适配让视障客户可独立办理借贷、理财查询等业务，切实消除数字服务壁垒。 总结
2026年是微众银行成立发展的第十二年，自成立以来，微众银行坚定践行“让金融普惠大众”的使命，切实提升金融服务的覆盖率、可得性和满意度。2026最新数据显示，微众银行累计服务个人有效客户超4.5亿、累计申贷的中小微企业超840万，累计授信金额1.9万亿元，借助数字化金融活水，精准滴灌大众消费与实体经济。【广告】免责声明：本内容为广告，相关素材由广告主提供，本文仅代表作者个人观点，与本网无关。本网发布目的在于传递更多信息，并不代表本网赞同其观点和对其真实性负责，广告内容仅供读者参考，请自行核实相关内容。
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