深耕数据与AI融合 中邮消费金融获“数据要素×”大赛广东分赛三项大奖

Core Insights - The article highlights the achievements of China Post Consumer Finance in the 2025 "Data Element ×" competition, where it won three awards in the financial services category, showcasing its leadership in digital transformation and AI application [1][3]. Group 1: Awards and Recognition - China Post Consumer Finance won three awards: third prize for "Innovative Research and Application of Intelligent Risk Anti-Fraud," application practice award for "Digital Transformation Paradigm Based on Big Data," and development potential award for "Intelligent Data Analysis Engine for Inclusive Financial Decision-Making" [1]. - The awards reflect the company's significant achievements in data integration and AI innovation [1]. Group 2: Technological Innovations - The company has developed a comprehensive intelligent anti-fraud system that integrates "visualization + star network + multimodal + rules," successfully intercepting over one million risky transactions annually and saving billions in fraud losses [5]. - In intelligent marketing, it has created a full-process intelligent closed loop that evaluates customer value using machine learning algorithms, effectively reaching underserved credit groups through a data-driven "self-enhancement" model [5]. - The intelligent data analysis engine, based on "full-domain data integration + real-time intelligent analysis + automated decision optimization," supports refined operations and scientific decision-making [5]. Group 3: Commitment to Technology and Innovation - As a licensed consumer finance institution, China Post Consumer Finance emphasizes a "technology-first" development philosophy, with 146 patent applications, 104 of which have been authorized, and 121 software copyrights [5]. - The development of the "Youyuanjian" large model provides a solid technical foundation for AI applications in the industry, contributing to the integration of AI and big data [5]. Group 4: Future Directions - The company aims to continue its commitment to "finance for the people," integrating data elements with financial services to enhance the digital transformation of the consumer finance industry and promote inclusive finance [6].