Zhong Guo Jin Rong Xin Xi Wang·2025-11-03 07:51Core Insights - The company is implementing a comprehensive AI-driven credit approval process to enhance financial services and risk management, aligning with the government's "Artificial Intelligence+" initiative [1] - The AI model aims to improve decision-making efficiency and accuracy in credit resource allocation, significantly reducing the time required for financial analysis [2] - The bank has reported substantial growth in loans to the manufacturing sector and strategic emerging industries, while also achieving a reduction in approval times despite an increase in manual approval volume [3] Group 1 - The company is focusing on transforming risk management from human-based to technology-driven and intelligent control, utilizing AI to support decision-making [1] - A new paradigm for intelligent credit approval is being established, integrating public and private data with AI models to enhance risk prevention [1] - The AI model is designed to streamline the entire credit approval process, from client rating to compliance checks, promoting a human-machine collaboration approach [1][2] Group 2 - AI financial analysis has improved the foundational judgment capabilities for credit resource allocation, reducing analysis time from hours to minutes [2] - The AI system extracts expert experiences to unify risk preferences, enhancing the efficiency of credit resource allocation [2] - The bank has automated compliance checks and report generation for credit approvals, achieving a 90% automation rate in overseas institutions [2] Group 3 - In the first half of 2025, the bank supported 1.79 trillion yuan in medium to long-term loans to the manufacturing sector, a 10.25% increase from the previous year [3] - Loans to strategic emerging industries reached 3.39 trillion yuan, marking an 18.92% increase year-on-year [3] - Despite a 17.67% increase in manual approval volume, the total approval time decreased by 24.38% [3]