Core Insights - The 2025 Shanghai Top 100 Enterprises list was officially released, recognizing outstanding companies contributing to Shanghai's economic development, with Qifu Technology ranking in four categories [1] - Qifu Technology's recognition reflects its leading position in technological innovation and significant achievements in market expansion, management, and business model innovation [1] Group 1: Company Achievements - Qifu Technology was listed in the 2025 Shanghai Top 100 Enterprises, 2025 Shanghai Service Industry Top 100, 2025 Shanghai Private Enterprises Top 100, and 2025 Shanghai Emerging Industries Top 100 [1] - The company has invested nearly 10 billion yuan in technology innovation and has built a research and development team of over 1,000 people, focusing on the integration of artificial intelligence and finance [2] - Qifu Technology has applied for 961 patents and holds over 80 software copyrights, showcasing its commitment to research and development [2] Group 2: Strategic Focus - The core strategic direction of Qifu Technology is to leverage artificial intelligence to assist in the intelligent transformation of banking [2] - The company has developed the "Qifu Credit Super Intelligent Body," which integrates various modules for credit decision-making and compliance, significantly enhancing operational efficiency [2] - Qifu Technology aims to continue increasing its R&D investment to enhance product and service competitiveness, contributing to Shanghai's global technology innovation center [2]

Core Insights - The 2025 Shanghai Top 100 Enterprises list was officially released, with Qifu Technology recognized in four categories: Top 100 Enterprises, Top 100 Service Enterprises, Top 100 Private Enterprises, and Top 100 Emerging Industry Enterprises in Shanghai [1][4] Group 1: Company Achievements - Qifu Technology's recognition in multiple categories highlights its leading position in technological innovation and significant achievements in market expansion, management, and business model innovation [4] - The company has invested nearly 10 billion yuan in research and development, employing a team of over 1,000, with hundreds focused on the integration of artificial intelligence and finance [5] Group 2: Technological Innovations - Qifu Technology has developed the "Qifu Credit Super Intelligent Agent," which integrates various modules for credit decision-making, credit assessment, AI approval, AI loan officers, and AI compliance officers, demonstrating significant effectiveness across various business scenarios [5] - The company has applied for 961 patents and holds over 80 software copyrights, contributing to its competitive edge in AI technology and its application in the financial sector [5] Group 3: Future Directions - Qifu Technology aims to continue enhancing its core competitiveness in products and services by increasing R&D investment, aligning with its mission to transform financial services through advanced technology [5]

Core Insights - QFIN Technology has been recognized in multiple categories of the 2025 Shanghai Top 100 Enterprises list, highlighting its strong performance in technology innovation and operational stability [1][4]. Group 1: Recognition and Awards - The "Shanghai Top 100 Enterprises" list aims to honor outstanding companies contributing significantly to Shanghai's economic and social development, with the previous year's revenue as the main criterion for selection [4]. - QFIN Technology's inclusion in four categories—Top 100 Enterprises, Top 100 Service Enterprises, Top 100 Private Enterprises, and Top 100 Emerging Industry Enterprises—demonstrates its leadership in technology innovation and effective market strategies [1][4]. Group 2: Company Overview and Strategy - As a local enterprise in the financial technology sector, QFIN Technology prioritizes technological innovation, focusing on AI to facilitate the intelligent transformation of banking services [5]. - The company has invested nearly 10 billion yuan in R&D, employing over 1,000 personnel, with hundreds dedicated to the integration of AI and finance [5]. - QFIN Technology has developed the "QFIN Credit Super Intelligent Agent," which integrates various modules for credit decision-making and compliance, significantly enhancing operational efficiency [5]. Group 3: Intellectual Property and Research Contributions - The company has filed 961 patent applications and holds over 80 software copyrights, showcasing its commitment to innovation [5]. - QFIN Technology has published multiple papers at top international conferences, contributing to China's competitive edge in AI technology and its application in the financial sector [5]. Group 4: Future Outlook - QFIN Technology plans to continue its mission of transforming financial services through advanced technology, increasing R&D investments to enhance product and service competitiveness [5].

Group 1 - The event is scheduled to take place from September 22 to September 30, 2025, at the UN Headquarters in New York [1]

本次活动以"数字向善：为了人类与繁荣"为主题，汇聚多国元首及全球顶尖企业领袖，旨在共同推进 《全球数字契约》框架下的跨国合作。其中，一场聚焦技术赋能发展的重要环节，重点探讨了如何利用 新兴技术促进全球繁荣，这与奇富科技长期深耕数字技术创新、以技术驱动发展的方向高度契合。目 前，奇富科技正以人工智能为核心驱动力，通过智能体技术升级数字化信贷服务体系，持续为小微企业 和城乡消费者提供可负担的金融服务，助力提升社会运行效率与发展质量。 本报讯 （记者李冰）9月22日至30日，纽约联合国总部迎来联合国八十周年系列重要活动。奇富科技首 席执行官吴海生受邀出席由国际电信联盟（ITU）与联合国开发计划署（UNDP）联合主办的联合国大 会高级别周核心活动，成为该全球顶级数字治理对话中仅有的中国金融科技企业代表。 吴海生在交流中表示，数字技术的包容性发展是实现可持续发展的关键。奇富科技始终坚信，通过负责 任的技术创新，能够让数字红利更公平地触达全球每个角落，为全球数字治理与繁荣发展贡献力量。 ...

转自：新华财经 郑彦认为，信贷智能体的核心创新还在于其底层算法的根本性变革。他透露，奇富科技团队在模型优化方面采用了独特的"思维链"数据训练方法。不同于 传统模型只学习非黑即白的违约标签"0"和"1"，信贷智能体还学习并理解业务、风险策略团队的复杂决策逻辑，从而显著提升KS值（好坏样本之间累计 分布的差值）等风控模型指标，实现风险评估精准度的显著提升。 产品落地："台青创业贷"打造特色化服务样本 新华财经北京9月25日电（记者吴丛司）当前金融科技行业发展日益聚焦技术底层能力，奇富科技2025年第二季度财务业绩显示，今年二季度，奇富科技 旗下的数字信贷解决方案服务商奇富数科实现金融科技赋能的放款量同比增长150%，这背后离不开信贷智能体"效率提升"的支撑。 奇富科技高级副总裁、首席风险官郑彦近日在接受记者专访时表示，公司自主研发的信贷智能体已进入内部深度应用阶段，该智能体不仅能有效整合税 务、发票等传统数据，更创新性地引入视频分析等多模态技术，构建起"数据采集-信用建模-资金投放"的全链条技术底座。 技术破局：信贷智能体攻克小微风控盲区 "我们正在做的，是将原来的能力全部整合在信贷智能体中，为未来输出做准备。" ...

Core Insights - The 10th Huawei Connect Conference (HUAWEI CONNECT 2025) recently opened in Shanghai, where QiFu Technology's Chief Algorithm Scientist, Fei Haojun, discussed the company's advancements in financial decision-making engines for small and micro enterprises using large model technology [1][3]. Group 1: Industry Challenges - Small and micro finance faces three core challenges: low data transparency leading to a lack of effective decision-making basis, high diversity of enterprise types resulting in disorganized data formats, and traditional risk control models relying heavily on statistics and decision trees, lacking deep causal and logical reasoning capabilities [3]. Group 2: Technological Advancements - QiFu Technology is upgrading three core capabilities: perception, cognition, and logical decision-making to build a new generation of intelligent decision engines [3][4]. - In the perception layer, the company has developed a financial-specific multimodal large model (MLLM) that accurately analyzes vast amounts of non-standard documents like bank statements and income certificates, showing significant advantages in accuracy and recall compared to mainstream open-source models [3][4]. - In the cognition layer, QiFu has created three knowledge graphs covering 33 million enterprise entities, enabling deep understanding of industry characteristics and complex relationships by linking macroeconomic data with business and legal information [3][4]. Group 3: Decision-Making Innovations - The company has developed a reasoning large model (Reasoning LLM) for risk management in small and micro enterprises, which features full transparency and traceability in its decision-making process, supported by long-chain reasoning data construction and reinforcement learning mechanisms [4]. - This "perception-cognition-decision" integrated technology architecture aims to significantly enhance operational efficiency and risk control accuracy for financial institutions while providing deep understanding and precise services for each small and micro enterprise [4][5]. Group 4: Future Directions - QiFu Technology plans to continue advancing technology openness and ecosystem collaboration, aiming to extend its capabilities to more financial institutions and promote smarter, more inclusive, and sustainable financial services for small and micro enterprises, positioning Chinese solutions for global service [5].

Group 1 - The event "Intelligent Integration Across the Straits: Creating a Future" marks the launch of the "Taiwan Youth Entrepreneurship Loan" initiative in Fuzhou Free Trade Zone, aimed at supporting Taiwanese youth entrepreneurship [1][3] - The initiative is part of nine key measures to support Taiwanese youth entrepreneurship in the Fuzhou Free Trade Zone, focusing on enhancing the business environment through financial technology [3][5] - A strategic cooperation agreement was signed between the Fuzhou Free Trade Zone Management Committee and Qifu Technology to develop a credit evaluation system, innovative financial services, and a healthy supply chain ecosystem [3][5] Group 2 - Qifu Technology's Chief Risk Officer highlighted the launch of the "Taiwan Youth Entrepreneurship Loan," which integrates traditional business data with unique local financial credit certificates to create accurate credit profiles for Taiwanese enterprises [5][6] - The first phase of the "Taiwan Youth Entrepreneurship Loan" has completed assessments for three Taiwanese enterprises, with the highest credit limit set at 500,000 yuan [6] - Qifu Technology initiated a "Dual-Track Entrepreneurship Empowerment Plan," which includes establishing training bases for Taiwanese youth and forming a financial technology innovation alliance to connect resources and accelerate innovation [8] Group 3 - The launch of the "Taiwan Youth Entrepreneurship Loan" signifies a new phase in cross-strait financial integration, emphasizing technology empowerment and ecosystem co-construction [8] - The initiative aims to create a new model of financial support for Taiwanese enterprises, promoting the concept of "doing foreign trade, finding free trade" among Taiwanese businesses [8]

2025年9月22日上午，"智融两岸・创享未来"——福州自贸片区×奇富科技助力台青创业行动启动仪式在 福州自贸片区举行。福州市人民政府党组成员、自贸区福州片区管委会党组书记、主任张新怿，自贸区 福州片区管委会党组成员、副主任马冬根，自贸区福州片区管委会党组成员、副主任林友华，奇富科技 首席风险官郑彦等出席仪式，首批"台青创业贷"签约企业及优秀台青代表，新闻媒体共同见证了这一闽 台金融融合创新时刻。 "福建作为台胞台企登陆第一家园，各项促进两岸融合的政策措施越来越完善，让我们深切感受到了"两 岸一家亲"。如今'台青创业贷'让我们感受到数字金融的温度。"首批获贷企业代表在发言中表示，感谢 福州自贸片区对台优势政策与奇富科技的创新支持，未来将把资金投入技术研发与产能扩张，为闽台产 业融合贡献力量。 此次启动仪式的举办，标志着闽台金融融合进入"科技赋能、生态共建"的新阶段。奇富科技相关负责人 表示，将以此次合作为起点，持续发挥金融科技优势，在自贸区福州片区管委会的支持下，为台青台企 在闽发展搭建更便捷、可持续的支撑体系，助力两岸产业融合迈向更深层次、更高水平，使"做外贸， 找自贸"成为台青台企的广泛共识 。 责任编辑 ...

Group 1 - The event "Intelligent Integration Across the Straits: Creating a Future" marks the launch of a project aimed at supporting Taiwanese youth entrepreneurship in the Fuzhou Free Trade Zone [1] - The initiative is part of nine key measures to support Taiwanese youth entrepreneurship, focusing on financial technology to enhance the integration of advantageous industries between Fujian and Taiwan [3] - A strategic cooperation agreement was signed between the Fuzhou Free Trade Zone Management Committee and Qifu Technology, aiming to develop a credit assessment system, innovative financial services, and a healthy supply chain ecosystem [3] Group 2 - Qifu Technology's Chief Risk Officer highlighted the importance of technology in facilitating financial integration between Fujian and Taiwan, addressing the unique financing needs of Taiwanese entrepreneurs [5] - The "Taiwan Youth Entrepreneurship Loan" product was launched, which integrates traditional business data with local credit certificates and collaborative data from Fujian's industrial parks to create accurate credit profiles for Taiwanese enterprises [6] - The first phase of the loan program has completed assessments for three Taiwanese enterprises, with the maximum credit limit set at 500,000 yuan for individual companies [6] Group 3 - In addition to financial services, Qifu Technology initiated a "Dual-Track Entrepreneurship Empowerment Program," which includes establishing training bases for Taiwanese youth and forming a financial technology innovation alliance to connect resources [8] - The event signifies a new phase in financial integration between Fujian and Taiwan, emphasizing technology empowerment and ecosystem co-construction [8] - The collaboration aims to create a more convenient and sustainable support system for Taiwanese enterprises in Fujian, promoting deeper and higher-level industrial integration [8]