海尔消费金融2025年“特征英雄”落下帷幕，数智化风控质效显著

Core Insights - Haier Consumer Finance successfully concluded its 2025 "Feature Hero" initiative, aimed at enhancing data-driven value in financial services and expanding multi-dimensional data samples [1][6] - The initiative emphasizes the importance of data and features in risk control, with advanced models and algorithms striving to approach the risk identification "ceiling" determined by data [1] Group 1: Feature Hero Competition - The first prize of the "Feature Hero" competition was awarded to the Risk Management Center, which innovatively utilized large models to replace manual processing of voice data, aiding in credit risk control strategies [5] - The competition attracted 32 employees, resulting in the extraction of 2,023 high-quality features from vast data, significantly enhancing the risk control system [5] Group 2: Intelligent Risk Control System - By 2025, Haier Consumer Finance's intelligent risk control system had launched a total of 10,427 real-time features, a 70% increase year-on-year [6] - The company emphasizes the importance of continuous competitions like "Feature Hero" to foster an AI-driven culture and enhance data asset exploration [6] Group 3: AI Integration and Industry Trends - The integration of deep learning technologies such as large models, graph learning, and natural language processing is transforming credit risk control models, showcasing a trend of multi-technology application in the field [6] - Haier Consumer Finance's AI-driven risk control system significantly reduces fraud risk and improves credit approval efficiency, achieving a dual advantage of controllable risk and efficient service [6] Group 4: Future Developments - Future advancements in technologies like federated learning, reinforcement learning, and AGI are expected to further enhance risk control models in areas such as data privacy protection and dynamic strategy optimization [7] - The company plans to deepen its AI First strategy, continuously strengthening data governance and technical application capabilities for high-quality development in credit business [7]