蚂蚁消金“小红花”和“多智能体协同风控”入选信通院数据智能“星河”案例

Core Insights - The "Star River" case list, evaluated by the China Academy of Information and Communications Technology and the Big Data Technology Standard Promotion Committee, recognized Ant Group's two risk control innovations as exemplary applications in the industry [4] Group 1: Innovations in Risk Control - Ant Group's "Little Red Flower" real-time interactive intelligent risk control and the "Multi-Agent Collaborative Consumer Finance Risk Control Engine" were selected as typical cases, highlighting their industry benchmark value [4] - The "Little Red Flower" innovation breaks traditional credit models by integrating high-frequency user interaction data, enhancing the ability to process unstructured data, and enabling two-way interaction between users and financial institutions regarding credit limits [4] - Users can submit over 1,000 types of materials to apply for credit limit increases, including various professional qualification certificates and even photos of work badges, allowing for a more diverse demonstration of credit value [4] Group 2: Efficiency and Automation - The "Multi-Agent Collaborative Consumer Finance Risk Control Engine" focuses on improving efficiency and accuracy throughout the risk control process by integrating heterogeneous data and large model technology, achieving full-link automation from customer analysis to decision execution [4][5] - The system identifies over 120 credit feature tags, providing deep insights into user needs and risks, while reducing the model building and strategy development cycle from 30 days to 72 hours, with an automation rate exceeding 90% [5] - The decision-making process is dynamically adjusted based on real-time data, enhancing the approval rate of legitimate requests and improving fraud prevention, saving over 10,000 hours of expert labor annually [5] Group 3: Strategic Importance of Data - The national data strategy is becoming a crucial support for building new competitive advantages, with the "Data Element X" three-year action plan (2024-2026) accelerating the potential release of data as a new production factor [5] - The financial industry, being data-intensive, benefits from the deep integration of AI technology and data elements, improving service efficiency and expanding the coverage of inclusive finance [5] - The inclusion of Ant Group's applications in the "Star River" typical cases reflects the concentrated value of data elements in financial scenarios, indicating a shift from experience-driven to data-driven financial services [5]