作为深耕金融科技领域的上海本土企业，奇富科技始终将科技创新视为发展的核心基石，以人工智能技 术助力银行智能化转型为核心战略方向。自成立以来，公司累计投入近百亿元资金，组建超千人规模的 研发团队，其中数百人专注于人工智能技术与金融深度融合的领域研究。依托深厚的研发积累，公司成 功打造行业首个赋能信贷核心业务的"奇富信贷超级智能体"，整合授信决策、信用评估、AI审批官、AI 信贷员、AI合规官等多元模块，已在各类业务场景中发挥显著效能，为公司业务持续增长提供有力支 撑。截至目前，奇富科技已申请专利961件，拥有软件著作权80余项，并在INTERSPEECH、ICASSP、 AAAI、IJCAI、ASRU、EMNLP等国际顶级学术会议上发表多篇论文，助力我国在AI基础技术与产业 应用深度融合领域占据先发优势。 未来，奇富科技将继续秉持"用先进科技改变金融服务"的使命，进一步加大研发投入力度，持续提升产 品与服务的核心竞争力，为上海全球科技创新中心建设贡献"奇富力量"，也为中国金融科技构建高质量 生态注入创新动能。 "上海百强企业"旨在表彰为上海经济社会发展作出突出贡献的优秀企业，以上年度企业营业收入为核心 入围标准 ...

9月23日，上海市企业联合会、上海市企业家协会、上海市经济团体联合会和解放日报社联合召开2025 上海百强企业新闻发布会，正式发布2025上海百强企业系列榜单。奇富科技(QFIN.US)凭借卓越的技术 创新能力与稳健的经营实力，荣登2025上海企业100强、2025上海服务业企业100强、2025上海民营企业 100强及2025上海新兴产业企业100强四大榜单。 "上海百强企业"旨在表彰为上海经济社会发展作出突出贡献的优秀企业，以上年度企业营业收入为核心 入围标准，凭借权威性、客观性与公正性，深受政府、企业及社会各界的高度认可。该榜单不仅是企业 综合实力的重要见证，更被视作反映上海经济发展态势的"晴雨表"。此次奇富科技从众多优秀企业中脱 颖而出，一举上榜四大榜单，既印证了公司在技术创新领域的领先地位，也标志着其在市场开拓、经营 管理、模式创新等维度均取得显著成效。 作为深耕金融科技领域的上海本土企业，奇富科技始终将科技创新视为发展的核心基石，以人工智能技 术助力银行智能化转型为核心战略方向。自成立以来，公司累计投入近百亿元资金，组建超千人规模的 研发团队，其中数百人专注于人工智能技术与金融深度融合的领域研究。 ...

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]

Group 1 - Seeking Alpha welcomes Matthias Frost as a new contributing analyst, encouraging others to share investment ideas for publication [1] - The new analyst has over 10 years of experience in the stock market, transitioning from a professional poker player to focusing solely on investments [2] - The analyst emphasizes strategic thinking, risk management, and simplifying complex situations as key skills developed from poker that apply to investing [2] Group 2 - The analyst prefers technology-driven stocks and those with growth at a reasonable price, particularly in up-trending markets [2] - A significant portion of the analyst's portfolio is allocated to cryptocurrencies and tech stocks, which has led to outperformance compared to broader markets [2] - The analyst aims to provide valuable insights and contribute to the Seeking Alpha community through in-depth investment research [2]