与深圳特区同频共振 招联以科技创新重塑行业生态

Core Viewpoint - Shenzhen's financial industry plays a crucial role in the city's high-quality development and serves as a strategic pillar for the national financial reform, marking the 45th anniversary of the Shenzhen Special Economic Zone and the 5th anniversary of comprehensive reform pilot implementation [1] Group 1: Company Overview - Zhaolian Consumer Finance Co., Ltd. is the first consumer finance company in the Guangdong-Hong Kong-Macao Greater Bay Area, leveraging Shenzhen's favorable business environment and innovation atmosphere to explore digital economy opportunities [3] - The company was established in 2015 through a collaboration between China Unicom and China Merchants Bank, breaking the boundaries between financial institutions and the real economy [4] Group 2: Technological Innovation - Zhaolian has pioneered a fully online consumer finance model, achieving full-process automation and marking the beginning of the industry's digital transformation [4] - The company has developed core capabilities in IT-driven product innovation, internet risk control, digital operations, and intelligent services, transitioning from "digital" to "intelligent" [6] Group 3: Service Innovations - Zhaolian has introduced a "3H" service model to enhance customer experience, which includes tools for price negotiation, credit limit discussions, and repayment plans [5] - The company has implemented a self-service system that combines traditional risk control strategies with multi-dimensional self-verified credit, significantly improving accessibility and convenience in inclusive finance [5] Group 4: Research and Development - Zhaolian invests nearly 5% of its revenue in R&D, with over 60% of its workforce dedicated to research, collaborating with universities and research institutions to drive technological breakthroughs [6] - The company has established a postdoctoral innovation practice base and joint laboratories with institutions like the Chinese Academy of Sciences and universities, focusing on AI and big data [6] Group 5: Industry Leadership - Zhaolian has achieved rapid growth and is recognized as a leader in the consumer finance sector, serving as the chair unit for the second and third sessions of the Consumer Finance Professional Committee of the China Banking Association [7] - The company has developed a dual-driven innovation model, empowering the ecosystem through cross-industry collaboration and promoting transformation in peer financial institutions [10] Group 6: Consumer Protection - Zhaolian has established a comprehensive consumer protection system, utilizing advanced technologies to enhance service quality and customer satisfaction, achieving a 99.04% first response rate to complaints within 48 hours [11] - The company has created an intelligent consumer protection model that proactively addresses customer complaints and enhances service efficiency [11] Group 7: Future Directions - Zhaolian aims to contribute to national strategies by exploring new paths for the integration of finance and technology, aligning with the goal of building a strong technological nation [12]