Core Insights - The financial technology industry is increasingly focusing on underlying technological capabilities, with Qifu Technology reporting a 150% year-on-year increase in loan volume for its digital credit solution provider, Qifu Shuke, in Q2 2025, driven by the efficiency improvements of its credit intelligence system [1][8]. Group 1: Credit Intelligence System - The credit intelligence system integrates multiple modalities, automated modeling, and strategy analysis, aiming to enhance credit capabilities for banks and achieve dual improvements in technology and business [2][3]. - A specific case highlighted the system's ability to analyze video data to supplement traditional credit data, enabling small businesses with limited tax information to secure credit [2][3]. - The core innovation of the credit intelligence system lies in its underlying algorithmic transformation, utilizing a unique "thinking chain" data training method to improve risk assessment accuracy significantly [3]. Group 2: Product Implementation - The "Taiqing Entrepreneurship Loan" product utilizes the small business credit assessment module of the credit intelligence system, successfully evaluating and granting credit to three Taiwanese enterprises in Fujian [4][5]. - This product addresses two major pain points for small businesses: data integration challenges and the limitations of traditional risk models, providing a pathway for transforming data into credit and subsequently into funding [4][5]. - The loan product incorporates local data sources, such as the "Taiwanese Financial Credit Certificate," to enhance credit assessment and facilitate cross-strait data integration [4][5]. Group 3: Strategic Transformation - The launch of the "Taiqing Entrepreneurship Loan" serves as a significant case for Qifu Technology to demonstrate its technology output to financial institutions, particularly city commercial banks and rural commercial banks [6][8]. - The AI capabilities of the credit intelligence system are being integrated into banking operations, with a focus on enhancing credit decision-making processes [6][8]. - The AI approval officer module has garnered interest from banks, enabling them to automate data verification processes and significantly improve operational efficiency [8]. Group 4: Future Outlook - The maturity of the credit intelligence technology is expected to drive the financial industry towards greater automation and intelligence, with evolving collaboration models between fintech companies and traditional financial institutions [9].
【高端访谈】信贷智能体持续拓宽金融服务边界——访奇富科技高级副总裁、首席风险官郑彦