Core Viewpoint - Ant Group's senior vice president Jin Xiaolong emphasizes that artificial intelligence (AI) will reshape inclusive finance and promote financial health, transitioning from merely addressing coverage issues to enhancing service experience [1] Group 1: AI Capabilities Driving Financial Transformation - Jin highlights three core capabilities of AI: deep understanding and generation, complex reasoning and planning, and multimodal integration and execution, marking a significant evolution in AI's role beyond automation [2] - The People's Bank of China reports that over one-third of business entities have received support through inclusive microloans, showcasing the effectiveness of current inclusive finance initiatives [2] - Ant Group's subsidiary, MYbank, has provided comprehensive financial services to over 68 million small and micro business owners, with nearly 80% of new users in credit being first-time borrowers [2] Group 2: AI Promoting Financial Equity - MYbank is exploring the concept of an "AI credit expert" for small and micro enterprises, which combines industry knowledge and intelligent interaction to assess creditworthiness [3] - The consistency of AI credit experts with human approval processes improved from 39% to 90% within five months, demonstrating the reliability of large model decision-making [3] - In wealth management, an intelligent operational engine predicts users' funding needs, aiding investment managers in asset allocation, with AI wealth management products showing lower yield volatility compared to market averages [3] Group 3: AI Enhancing Financial Health - Ant Group's consumer finance division has introduced a "bill assistant" tool that empowers users to manage their spending limits, resulting in a 10% reduction in bill amounts but an 8% lower delinquency rate among 270 million users [5] - The "Little Red Flower" risk control system supports credit limit increases based on various professional certifications, halving the default rate for participating users [5] Group 4: Building an Intelligent Financial Ecosystem - Jin calls for collaboration among peers in technology exploration, standard setting, and governance to create an inclusive, responsible, and sustainable intelligent financial ecosystem [6] - The integration of AI with inclusive finance is shifting the focus from broad coverage to improved service quality, potentially redefining the value boundaries and pathways of inclusive financial services [6]
蚂蚁集团金晓龙：AI将重塑普惠金融 促进金融健康