招联“十四五”发展答卷：以数智赋能为笔 绘就普惠新图景

Core Viewpoint - The "14th Five-Year Plan" period marks a critical phase for the consumption finance industry in China, transitioning from "scale expansion" to "quality and quantity improvement," with 招联消费金融股份有限公司 (Zhaolian) emerging as a benchmark for high-quality development through digital innovation and social responsibility [1] Group 1: Digital Transformation and Innovation - Zhaolian has established itself as a pioneer in the digital transformation of the consumption finance sector, being the first to explore a fully online consumption finance model, significantly reducing operational costs and expanding access to credit services for underserved populations [2] - The company has developed a comprehensive consumption finance system based on cloud technology, achieving a "go IOE" status, which has set a standard for digital transformation in the industry [2] - In response to the AI revolution, Zhaolian launched the industry’s first open-source large model, "Zhaolian Zhilu," with 130 billion parameters, followed by iterations that enhanced its reliability in financial applications [3] Group 2: Consumer Protection and Satisfaction - Zhaolian has integrated its AI model with consumer rights protection, creating the first intelligent consumer protection system in the industry, which has led to a customer satisfaction rate of 98% and a complaint handling timely rate exceeding 99% [3] - The company’s innovative self-service system empowers consumers, allowing them to take the lead in financial services, enhancing user experience and engagement [5][6] Group 3: Social Responsibility and Community Engagement - Zhaolian actively participates in social responsibility initiatives, focusing on traditional industry empowerment, green development, and rural revitalization, thereby aligning its business growth with societal value creation [8] - The company has developed an intelligent traditional Chinese medicine diagnosis model to assist grassroots healthcare, addressing resource shortages and improving healthcare quality [8] - Zhaolian has launched the "Green Yuan" platform for smart waste management, promoting environmental sustainability and efficiency in waste collection [9] Group 4: Targeting New Citizen Demographics - Zhaolian has tailored its services to meet the financial needs of new citizens, providing targeted financial products and establishing a dedicated service area in its app to enhance accessibility and support for this demographic [6][7] - The company has implemented initiatives such as the "New Citizen Dream Action" to facilitate consumer convenience and security for new residents [6] Group 5: Future Outlook - As it moves into the "15th Five-Year Plan," Zhaolian aims to deepen digital innovation, expand inclusive services, and fulfill its social responsibilities, contributing to the construction of a financially strong nation and promoting common prosperity [10]