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In the present day, amidst the backdrop of the AI revolution, 'One Person Companies' (OPCs, for brevity) are burgeoning as a novel trend in the entrepreneurial sphere, enticing a multitude of entrepreneurs to embark on this journey. In reaction to this burgeoning trend, numerous banks have proactively crafted financial service frameworks tailored to the digital economy, catering to the needs of exceptional individuals and bolstering flexible employment opportunities. Simultaneously, they are rolling out financial products exclusively designed for OPCs. Industry experts highlight that commercial banks are seeking to seize potential avenues for business expansion and strategically position themselves to embrace a wider array of emerging entrepreneurial paradigms. Throughout this evolution, the traditional credit assessment paradigm is undergoing a profound metamorphosis.
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