[Performance Overview & Management Commentary](index=2&type=section&id=Performance%20Overview%20%26%20Management%20Commentary) [Q2 2025 Business Highlights](index=2&type=section&id=Q2%202025%20Business%20Highlights) In Q2 2025, the company achieved year-over-year growth in user base and outstanding loan balance, with 41.4% of total facilitated loans under light-capital models and a 90-day+ delinquency rate of 1.97% Q2 2025 Key Operating Metrics | Metric | Q2 2025 | YoY Change | QoQ Change | | :--- | :--- | :--- | :--- | | Total Facilitated and Originated Loan Volume | RMB 84.61 billion | +16.1% | -4.8% | | - Light-Capital/ICE/Tech Solution Share | 41.4% | - | - | | Total Outstanding Loan Balance at Period End | RMB 140.08 billion | +13.4% | -0.1% | | - Light-Capital/ICE/Tech Solution Share | Approx. 51% | - | - | | Cumulative Approved Credit Line Users | 60.2 million | +12.3% | - | | Cumulative Successful Borrower Withdrawals | 36.8 million | +14.9% | - | | 90-Day+ Delinquency Rate | 1.97% | - | - | [Q2 2025 Financial Highlights](index=3&type=section&id=Q2%202025%20Financial%20Highlights) The company achieved robust financial performance in Q2 2025, with total net revenue reaching **RMB 5.22 billion** and Non-GAAP net profit at **RMB 1.85 billion**, demonstrating sustained profitability Q2 2025 Key Financial Data | Metric | Amount (RMB) | Amount (USD) | | :--- | :--- | :--- | | Total Net Revenue | 5.216 billion | 0.728 billion | | Net Profit | 1.731 billion | 0.242 billion | | Non-GAAP Net Profit | 1.849 billion | 0.258 billion | | Diluted Net Earnings Per ADS | 12.76 | 1.78 | | Diluted Non-GAAP Net Earnings Per ADS | 13.63 | 1.90 | [Management Commentary](index=3&type=section&id=Management%20Commentary) Management highlighted the company's resilient operations amidst macroeconomic uncertainties and regulatory changes, achieved by tightening risk controls, optimizing business structure with **51%** light-asset model share, and diversifying customer acquisition channels, while prudently increasing provisions to near historical highs - CEO Wu Haisheng noted that in response to economic uncertainties and regulatory changes, the company proactively tightened risk control standards and adjusted its business structure, with the outstanding loan balance from light-asset models, ICE, and comprehensive technology solutions reaching approximately **51%**[7](index=7&type=chunk) - CFO Xu Zuoli emphasized that despite the volatile macroeconomic environment, the company achieved robust financial performance and prudently assessed risks, with new provisions in Q2 approaching historical highs[7](index=7&type=chunk) - CRO Zheng Yan added that influenced by macroeconomic challenges, overall market risk levels fluctuated, with the first-day delinquency rate reaching **5.1%**, prompting the company to tighten risk controls and potentially implement further measures to mitigate potential risks[7](index=7&type=chunk) [Financial Performance Analysis](index=4&type=section&id=Financial%20Performance%20Analysis) [Operating Results](index=4&type=section&id=Operating%20Results) In Q2 2025, total net revenue grew **25.4%** to **RMB 5.22 billion**, driven by credit-driven and platform services, while operating costs and expenses significantly increased **41.6%** to **RMB 3.08 billion**, resulting in operating income of **RMB 2.14 billion**, up **7.6%** year-over-year [Net Revenue](index=4&type=section&id=Net%20Revenue) Total net revenue reached **RMB 5.22 billion**, a **25.4%** year-over-year increase, with credit-driven service net revenue at **RMB 3.57 billion** (up **22.4%**) and platform service net revenue at **RMB 1.65 billion** (up **32.3%**), driven by increased financing income and referral service fees respectively Q2 2025 Net Revenue Composition (RMB million) | Revenue Item | Q2 2025 | Q2 2024 | YoY Change | | :--- | :--- | :--- | :--- | | **Total Net Revenue** | **5,215.9** | **4,160.1** | **+25.4%** | | **Credit-Driven Service Net Revenue** | **3,565.5** | **2,912.2** | **+22.4%** | | - Financing Income | 2,205.0 | 1,690.1 | +30.5% | | - Release of Guarantee Liabilities Income | 805.3 | 972.6 | -17.2% | | **Platform Service Net Revenue** | **1,650.3** | **1,247.9** | **+32.3%** | | - Loan Facilitation and Service Fees - Light-Capital | 326.8 | 524.4 | -37.7% | | - Referral Service Fees | 986.4 | 623.5 | +58.2% | [Operating Costs and Expenses](index=5&type=section&id=Operating%20Costs%20and%20Expenses) Total operating costs and expenses increased **41.6%** to **RMB 3.08 billion**, primarily driven by a rise in sales and marketing expenses to **RMB 663 million** due to increased investment in embedded finance channels and information flow advertising, and a significant increase in contingent liability provisions to **RMB 398 million** due to higher heavy-capital loan volumes and risk assessment adjustments Q2 2025 Operating Costs and Expenses Composition (RMB million) | Cost Item | Q2 2025 | Q2 2024 | YoY Change Reason | | :--- | :--- | :--- | :--- | | **Total** | **3,079.7** | **2,175.1** | **-** | | Facilitation, Origination and Servicing Expenses | 781.0 | 722.2 | Increase in total loan volume | | Sales and Marketing Expenses | 662.7 | 366.4 | Increased investment in embedded finance channels and information flow advertising | | Provision for Loans Receivable | 773.8 | 849.5 | Reversal of prior provisions, partially offset by increase in on-balance sheet loans | | Provision for Contingent Liabilities | 397.6 | (213.3) | Increase in heavy-capital loan facilitation volume and risk assessment adjustments | [Profitability and EPS](index=6&type=section&id=Profitability%20and%20EPS) In Q2 2025, the company achieved operating income of **RMB 2.14 billion**, net profit of **RMB 1.73 billion** (up **25.7%** YoY), and Non-GAAP net profit of **RMB 1.85 billion** (up **30.8%** YoY), with diluted net earnings per ADS at **RMB 12.76** Q2 2025 Profitability Metrics (RMB million) | Metric | Q2 2025 | Q2 2024 | YoY Change | | :--- | :--- | :--- | :--- | | Operating Income | 2,136.2 | 1,985.0 | +7.6% | | Non-GAAP Operating Income | 2,254.7 | 2,021.9 | +11.5% | | Net Profit | 1,730.5 | 1,376.5 | +25.7% | | Non-GAAP Net Profit | 1,849.0 | 1,413.4 | +30.8% | | Diluted Net Earnings Per ADS (RMB) | 12.76 | 8.92 | +43.0% | [Asset Quality](index=7&type=section&id=Asset%20Quality) The report presents asset quality performance of facilitated loans across different periods through 30-day+ and 180-day+ delinquency rate charts (Vintage Curves), which are key tools for assessing credit business risk trends - The report provides quarterly historical loan 30-day+ and 180-day+ delinquency rate charts to track the asset quality performance of loans originated in different periods[22](index=22&type=chunk)[23](index=23&type=chunk)[26](index=26&type=chunk) [Shareholder Returns & Business Outlook](index=7&type=section&id=Shareholder%20Returns%20%26%20Business%20Outlook) [Dividends and Share Repurchase](index=7&type=section&id=Dividends%20and%20Share%20Repurchase) The company declared a H1 2025 dividend of **USD 0.76** per ADS and actively executed its share repurchase program, having repurchased approximately **USD 277 million** in ADS under the 2025 plan as of August 14, 2025 - The Board approved a H1 2025 dividend of **USD 0.38** per Class A ordinary share or **USD 0.76** per ADS, with the record date set for September 8, 2025[25](index=25&type=chunk) - As of August 14, 2025, the company repurchased approximately **7.1 million** ADS at an average price of **USD 38.9/ADS**, totaling approximately **USD 277 million**, under its **USD 450 million** 2025 share repurchase program[27](index=27&type=chunk) [Business Outlook](index=8&type=section&id=Business%20Outlook) Given ongoing macroeconomic uncertainties, the company maintains a cautious outlook for Q3 2025, projecting net profit between **RMB 1.52 billion** and **RMB 1.72 billion**, and Non-GAAP net profit between **RMB 1.60 billion** and **RMB 1.80 billion**, representing a **2% to 13%** year-over-year decrease Q3 2025 Performance Guidance | Metric | Forecast Range (RMB billion) | YoY Change | | :--- | :--- | :--- | | Net Profit | 1.52 - 1.72 billion | -13% to -2% | | Non-GAAP Net Profit | 1.60 - 1.80 billion | - | [Financial Statements](index=11&type=section&id=Financial%20Statements) [Unaudited Condensed Consolidated Balance Sheets](index=11&type=section&id=Unaudited%20Condensed%20Consolidated%20Balance%20Sheets) As of June 30, 2025, total assets reached **RMB 59.75 billion**, up **24.1%** from year-end 2024, primarily driven by increased net loans receivable, with total liabilities at **RMB 35.65 billion** and total equity at **RMB 24.11 billion**, indicating a stable balance sheet structure Key Balance Sheet Items (As of June 30, 2025) | Item | Amount (RMB billion) | | :--- | :--- | | **Total Assets** | **59.75** | | Cash, Cash Equivalents and Restricted Cash | 8.21 | | Net Loans Receivable (Current + Non-current) | 37.43 | | **Total Liabilities** | **35.65** | | Amounts Due to Consolidated Trust Investors | 20.00 | | **Total Equity** | **24.11** | [Unaudited Condensed Consolidated Statements of Operations](index=12&type=section&id=Unaudited%20Condensed%20Consolidated%20Statements%20of%20Operations) This statement details the company's revenue, costs, and profit composition for Q2 and H1 2025, showing Q2 net revenue of **RMB 5.22 billion**, operating income of **RMB 2.14 billion**, and net profit of **RMB 1.73 billion** Q2 2025 Income Statement Overview (RMB million) | Item | Q2 2025 | Q2 2024 | | :--- | :--- | :--- | | Total Net Revenue | 5,215.9 | 4,160.1 | | Total Operating Costs and Expenses | 3,079.7 | 2,175.1 | | Operating Income | 2,136.2 | 1,985.0 | | Net Profit | 1,730.5 | 1,376.5 | [Unaudited Condensed Consolidated Statements of Cash Flows](index=13&type=section&id=Unaudited%20Condensed%20Consolidated%20Statements%20of%20Cash%20Flows) In Q2 2025, the company generated **RMB 2.62 billion** in net cash from operating activities, indicating strong core business cash generation, while net cash used in investing activities was **RMB 8.19 billion**, and net cash from financing activities was **RMB 2.00 billion** Q2 2025 Cash Flow Statement Overview (RMB million) | Item | Q2 2025 | | :--- | :--- | | Net Cash from Operating Activities | 2,622.0 | | Net Cash Used in Investing Activities | (8,191.1) | | Net Cash from Financing Activities | 1,995.6 | | Cash, Cash Equivalents and Restricted Cash at Period End | 8,212.4 | [GAAP to IFRS Reconciliation](index=17&type=section&id=GAAP%20to%20IFRS%20Reconciliation) [Reconciliation Explanation and Results](index=17&type=section&id=Reconciliation%20Explanation%20and%20Results) This section provides a quantitative reconciliation of financial statements prepared under US GAAP to IFRS, as required by HKEX, showing H1 2025 net profit of **RMB 3.52 billion** under IFRS, slightly lower than **RMB 3.53 billion** under US GAAP - The company's directors prepared interim financial statements under US GAAP and disclosed a reconciliation of differences with International Financial Reporting Standards (IFRS)[51](index=51&type=chunk) - Deloitte Touche Tohmatsu has performed a limited assurance engagement on this reconciliation statement and found no material issues[54](index=54&type=chunk)[55](index=55&type=chunk) [Notes on Key Accounting Differences](index=24&type=section&id=Notes%20on%20Key%20Accounting%20Differences) The report details five key accounting differences between US GAAP and IFRS: expected credit loss recognition (CECL vs. IFRS 9 three-stage model), effective interest rate calculation, share-based payment attribution, financial guarantee accounting, and convertible preferred note measurement - Expected Credit Losses: US GAAP uses the CECL model to recognize lifetime expected losses at inception, while IFRS 9 employs a three-stage model, recognizing lifetime losses only when credit risk significantly increases[62](index=62&type=chunk) - Effective Interest Rate: US GAAP calculates based on contractual cash flows, whereas IFRS uses estimated cash flows[63](index=63&type=chunk) - Financial Guarantees: US GAAP recognizes standby and contingent guarantee liabilities using the gross method, while IFRS recognizes revenue based on premiums received and measures liabilities at the higher of loss allowance or initial recognition amount[63](index=63&type=chunk) - Convertible Preferred Notes: Under US GAAP, they are measured as liabilities, while under IFRS, they are designated as fair value through profit or loss[63](index=63&type=chunk)

Core Viewpoint - Qfin Holdings, Inc. reported strong financial results for the second quarter of 2025, with total net revenue reaching RMB5,215.9 million (US$728.1 million), reflecting a year-over-year increase of 25.4% from RMB4,160.1 million in the same period of 2024. The company also announced a semi-annual dividend of US$0.38 per Class A ordinary share [10][17][41]. Financial Highlights - Total net revenue for Q2 2025 was RMB5,215.9 million (US$728.1 million), compared to RMB4,690.7 million in the prior quarter and RMB4,160.1 million in the same period of 2024 [10][17]. - Net income for Q2 2025 was RMB1,730.5 million (US$241.6 million), a decrease from RMB1,796.6 million in the prior quarter but an increase from RMB1,376.5 million in the same period of 2024 [18][35]. - Non-GAAP net income for Q2 2025 was RMB1,849.0 million (US$258.1 million), compared to RMB1,926.2 million in the prior quarter and RMB1,413.4 million in the same period of 2024 [18][36]. - Total outstanding loan balance was RMB140,080 million as of June 30, 2025, an increase of 13.4% from RMB123,551 million a year ago [11][10]. Business Performance - The platform connected 165 financial institutional partners and 275.8 million consumers with potential credit needs, marking an 11.4% increase from 247.6 million a year ago [11]. - Cumulative users with approved credit lines reached 60.2 million, up 12.3% from 53.6 million a year ago [11]. - The company facilitated 23,638,189 loans in Q2 2025, with total facilitation and origination loan volume reaching RMB84,609 million, a 16.1% increase from RMB72,864 million in the same period of 2024 [11][10]. Operational Insights - The weighted average contractual tenor of loans originated was approximately 10.33 months, compared to 9.97 months in the same period of 2024 [11]. - The 90-day+ delinquency rate was 1.97% as of June 30, 2025 [11]. - Repeat borrower contribution for loans originated was 93.8% in Q2 2025 [11]. Strategic Developments - The company issued a record amount of Asset-Backed Securities (ABS) during the quarter, and the blended funding cost declined despite liquidity shortages in certain industry segments [14]. - More than half of new credit line users were acquired through embedded finance partners, indicating a diversification in user acquisition channels [14]. - The company plans to allocate more resources to AI applications across its credit service offerings to enhance efficiency and service quality [15]. Future Outlook - For Q3 2025, the company expects net income between RMB1.52 billion and RMB1.72 billion, and non-GAAP net income between RMB1.60 billion and RMB1.80 billion, reflecting a year-on-year decline of 2% to 13% [44].

小微企业。自2020年底以来,公司开始为优质小微企业撮合量身定制的贷款产品。公司认为,这正是得不 到或未得到传统金融机构充分服务的用户群体,因为传统金融机构通常专注于为具有较长信贷历史及经 营往绩记录以及以有形抵押品借贷的大型企业提供服务。凭借公司的数据分析及信贷分析能力,公司能 够识别出缺乏充裕信用记录及有形抵押品但拖欠风险较低的小微企业,继而使其成为公司金融机构合作 伙伴的借款人。通过公司的平台扩展的定制产品具灵活性、无抵押,能满足小微企业的信贷需求。 公司为合作伙伴及用户提供多样化的服务。公司的服务一般按服务性质及相关信贷风险水平,分类为信 贷驱动服务或平台服务。各类服务中,无论涉及的信贷风险水平,公司都为合作伙伴及用户提供高效借贷 流程、改善信用评估及加强借贷体验。 8月13日，奇富科技(QFIN)开盘上涨2.29%，截至21:31，报34.89美元/股，成交281.38万美元，总市值 46.91亿美元。 财务数据显示，截至2025年03月31日，奇富科技收入总额46.91亿人民币，同比增长12.94%；归母净利 润18.0亿人民币，同比增长54.62%。 大事提醒： 8月14日，奇富科技将于(美东) ...

Core Insights - Qifu Technology, Inc. (QFIN) is set to release its second-quarter 2025 results on August 14, after market close, and has consistently surpassed the Zacks Consensus Estimate in the previous four quarters with an average earnings surprise of 14.3% [1] Revenue Expectations - The Zacks Consensus Estimate for QFIN's revenues is $641.8 million, indicating a 12.1% growth compared to the same quarter last year [2][9] Business Performance - The embedded finance business is expected to show improvement due to an increase in new credit line users and loan volume from these channels, with AI-led technology enhancing user profiling and acquisition [3] - A surge in on-balance sheet loans and reduced early repayment discounts are anticipated to boost QFIN's credit-driver services, while platform services are expected to benefit from contributions from the Intelligence Credit Engine and other value-added services [4] Earnings Projections - The consensus estimate for QFIN's earnings per share is $1.79, reflecting a significant year-over-year growth of 46.7% [4][9] Earnings Prediction Model - Current analysis indicates that QFIN does not conclusively predict an earnings beat, with an Earnings ESP of 0.00% and a Zacks Rank of 3 (Hold) [5][6]

8月12日，奇富科技将披露2025财年中报（数据来源于纳斯达克官网，预计披露日期为美国当地时间， 实际披露日期以公司公告为准）。 资料显示，奇富科技股份有限公司("奇富科技")(NASDAQ:QFIN及HKEX:3660)是中国领先的信贷科技平 台。公司致力于运用信贷科技服务金融机构,让消费者及小微企业获得更方便、更个性化的信贷服务。 通过配置技术解决方案,公司协助金融机构识别消费者及小微企业的多方面需求,通过多渠道有效触及信 用良好的潜在借款人,加强潜在借款人的信贷评估,管理信贷风险及改善收款策略及效率。加之与360集团 的合作,公司提供的解决方案在客户获取、资金优化、信贷评估和贷后管理等方面取得了显着的优势。 公司的价值主张是运用科技创新连接金融机构与借款人,革新信贷服务,让消费者及小微企业更容易获得 信贷服务,同时在贷款生命周期的不同阶段赋能金融机构。具体而言,公司相信公司的服务为以下行业参 与者提供巨大价值: 金融机构合作伙伴。公司提供以技术驱动的服务,为公司的金融机构合作伙伴提供高效的在线借贷流 程。公司与金融机构合作伙伴的技术基础设施完美结合,为他们提供广泛的技术解决方案,实现实时自动 获取借款人 ...

12月3日是第32个国际残疾人日，近日，为促进人们对残疾问题的理解，动员人们支持和维护残疾人的尊严、权利和幸福，奇富科技发起"走进闪闪发光 的手艺人"微光·助残计划，联合锦昌公益服务中心、上海市残疾人就业服务中心、匠心汇技术能手俱乐部开展国际助残日公益活动，通过开展线上线下系列 助残活动，带领大众深入了解、体验残障人士的生活和工作面貌，并定向捐赠55台电子设备助力残友创业，以残健共融开创"互动+帮扶"的助残新模式。 体验助残礼仪 定向捐赠帮扶创业 基于了解的关爱更易于解决残障人士的现实需求，这一点上，不同于常见的向弱势群体单向捐赠、提供帮助的公益旧模式，奇富科技带领员工体验和感 受残疾人的生活日常并进行定向精准捐赠。12月3日下午，在上海市残疾人就业服务中心助残活动现场，奇富科技的员工及其家属"身临其境"体验残障人士 面临的不便和困难，如体验坐轮椅出行、戴眼罩模拟盲人出行、学习导盲犬社交礼仪和手语歌等，并深入了解助残礼仪及注意事项。 学习导盲犬社交礼仪 残健共融也是奇富科技积极倡导的助残理念。奇富科技与锦昌公益组织员工和社会残障人士共同制作体验手工技艺，协作完成手工皮具制作、开蚌体 验、智慧垃圾桶制作等。"这 ...

Core Insights - The core viewpoint of the articles is that Qifu Technology has made significant advancements in consumer rights protection in 2023, achieving a user satisfaction rate of 99.2% through various initiatives and technological enhancements [1][9]. Group 1: Consumer Rights Protection Initiatives - In 2023, Qifu Technology upgraded its consumer rights protection efforts, enhancing the system and measures to safeguard consumer rights across various domains including system, technology, product, and service [1]. - The company launched a "Consumer Rights Protection" section on its official app, providing legal regulations, knowledge dissemination, and case studies to educate users [6][9]. Group 2: Financial Safety Education - Qifu Technology focused on promoting financial safety education, impacting over 40 million people through both online and offline activities, including community outreach and school programs [2][6]. - The company utilized social media and its app to disseminate anti-fraud knowledge, reaching over 7 million individuals with rational consumption advocacy [6][9]. Group 3: Technological Enhancements - Qifu Technology employed AI technology for fraud prevention, issuing 690 million fraud alerts and preventing user losses amounting to 550 million yuan [9]. - The company implemented a comprehensive security defense mechanism, enhancing data protection and personal information security across all business processes [13]. Group 4: Social Responsibility - Qifu Technology established a "Over-Indebtedness Relief Mechanism" to assist individuals in financial distress due to non-subjective reasons, demonstrating its commitment to corporate social responsibility [11]. - The company provided targeted support for users affected by natural disasters, such as offering preferential interest rates for users in Gansu earthquake areas [11]. Group 5: Customer Service Improvements - Qifu Technology improved its customer service efficiency, achieving a 95.1% online connection rate and an 87.8% first-contact resolution rate [9]. - The company conducted 6,692 consumer protection audits throughout the year, ensuring a high level of complaint resolution [13].

公司的价值主张是运用科技创新连接金融机构与借款人,革新信贷服务,让消费者及小微企业更容易获得 信贷服务,同时在贷款生命周期的不同阶段赋能金融机构。具体而言,公司相信公司的服务为以下行业参 与者提供巨大价值: 8月8日，奇富科技(QFIN)盘中上涨2.14%，截至00:08，报34.075美元/股，成交1621.73万美元，总市值 45.82亿美元。 财务数据显示，截至2025年03月31日，奇富科技收入总额46.91亿人民币，同比增长12.94%；归母净利 润18.0亿人民币，同比增长54.62%。 大事提醒： 8月12日，奇富科技将披露2025财年中报（数据来源于纳斯达克官网，预计披露日期为美国当地时间， 实际披露日期以公司公告为准）。 资料显示，奇富科技股份有限公司("奇富科技")(NASDAQ:QFIN及HKEX:3660)是中国领先的信贷科技平 台。公司致力于运用信贷科技服务金融机构,让消费者及小微企业获得更方便、更个性化的信贷服务。 通过配置技术解决方案,公司协助金融机构识别消费者及小微企业的多方面需求,通过多渠道有效触及信 用良好的潜在借款人,加强潜在借款人的信贷评估,管理信贷风险及改善收款策略及 ...

除了技术落地与实战成效，奇富科技还深度参与行业规范建设，积极主导或参与编制了《金融数据安全 技术防护规范》、《金融数据安全应急响应和处置指引》等多项关键标准。近日，奇富科技还成功获批 成为工业和信息化部人工智能标准化技术委员会（MIIT/TC1）首批成员单位，标志着公司在人工智能 金融安全领域的技术实力与行业贡献获国家层面认可，更意味着企业将深度参与国家人工智能标准体系 制定，为技术规范化发展注入金融科技力量。 通过构建体系化的安全治理框架，部署智能化的防护平台，并深度参与行业标准制定，奇富科技在本次 ISC.AI 2025大会上充分展现了其作为金融科技领域安全引领者的技术实力与责任担当。未来，奇富科 技将以更精准的风险预警、更高效的防御响应，为行业筑牢数字安全防线。 责任编辑：郭栩彤 8月6日，第十三届互联网安全大会（ISC.AI 2025）在北京国家会议中心盛大开幕。作为全球"AI+安 全"领域规格最高的盛会，本届大会以"ALL IN AGENT"为主题，聚焦智能体时代数字安全与人工智能 的前沿发展。奇富科技受邀参展，全方位呈现了其在网络安全领域的创新成果与领先技术实力。 在过去九年中，围绕构建坚实的数字 ...

据悉，Lumo AI一站式合规助手定位为金融机构的合规CTO。这款以大模型技术为引擎的解决方案，深 度融合AI与监管合规，直击效率与精度难题：监管文件解读与内化时间从行业平均的每份40小时锐减 至2小时，政策适配准确率从约68%飙升至99.2%，合规差距识别与整改建议生成效率提升20倍，全流程 SOP自动化执行率超85%，实现了合规管理效率、质量与风险控制能力的三重飞跃。 本报讯 （记者李冰）8月6日，第十三届互联网安全大会（ISC.AI2025）在北京国家会议中心开幕。据 介绍，本届大会以"ALL IN AGENT"为主题，聚焦智能体时代数字安全与人工智能的前沿动态。作为金 融科技安全领域的引领者，奇富科技展示了其信贷超级智能体的重要组成部分、基于大模型的产品 Lumo AI一站式合规助手。 （编辑 郭之宸） Lumo AI一站式合规助手内置2000＋金融监管法规动态库并实时更新，融合300＋风险评估模型、50＋ 金融专属算法及强大的外规内化知识图谱，构建"法规-风险-策略"智能匹配体系，确保差距分析精准、 整改建议有效、SOP执行到位，让每一步决策与行动都有坚实依据。 ...