同时，东吴证券持续打造的"反洗钱系统""全面风险管理平台"等，精准对接监管要求，构建实时动 态的合规与风险管理跟踪流程闭环，打造全景穿透式监测体系，实现高穿透的可视化风险管理分析、评 估和监测，全方位支撑公司业务合规专业开展。 当前，证券行业文化建设迈入新阶段，科技正成为重塑行业生态、筑牢专业根基的核心引擎。《证 券行业文化建设十要素》中指出，证券公司作为资本市场最重要的中介机构之一，是资本市场的"看门 人"、直接融资的"服务商"、社会财富的"管理者"、金融创新的"领头羊"，专业是行业机构安身立命之 本和核心竞争力之所在。十五五阶段，持续提升金融科技将是证券公司适应国际化发展趋势，打造差异 化发展的"硬实力"；积极运用数字化手段重构商业模式、提升客户服务质量和水平，用专业赢得口碑、 信赖与尊重，将是增强证券公司专业化发展的"软实力"。 东吴证券积极响应"科技自立自强""引领发展新质生产力"等国家战略，践行"五要五不"原则，扎实 推进"五篇大文章"，严格遵循《进一步巩固推进证券行业文化建设工作安排》《树立证券行业荣辱观的 倡议书》等文件要求，持续夯实企业文化根基。公司以"科技+文化"深度融合为路径，依托业技融合 ...

Core Insights - The financial technology (FinTech) industry is experiencing significant growth, with projections indicating a compound annual growth rate (CAGR) of approximately 13.3%, expected to exceed 650 billion yuan by 2028 [1] - The report emphasizes the importance of a technology-driven financial value enhancement system, focusing on the "technology-industry-finance" cycle and the diversified, compliant application of data elements in financial business scenarios [1] Industry Trends - The current core development trends in the domestic FinTech market include a focus on scenario finance and the integration of technology with business value, as financial institutions increasingly prioritize the contribution of technology to business outcomes [33] - The domestic market is entering a dual development phase characterized by deep technological cultivation and value release, with a growing emphasis on compliance technology [33] - The trend of domestic financial technology regulation is becoming clearer, leading to increased attention on compliance technology in the future [33] Notable Companies and Innovations - Softstone Technology is leveraging generative AI to drive innovation in financial technology applications, focusing on areas such as intelligent marketing and risk control [11][13] - Chexiao Technology specializes in credit risk control, offering a comprehensive suite of platforms for automotive finance and risk management [15][16] - China Mobile Financial Technology (Zhongyi Jinke) is developing a full-scenario enterprise consumption management platform, addressing various corporate spending needs [22] Product and Service Developments - The report highlights the emergence of AI-driven financial advisory tools that enhance traditional banking services, integrating features like intelligent marketing and customer service [13] - The development of large-scale financial risk control models capable of identifying customer identities and assessing credit risks is noted, achieving over 99% accuracy in production-level services [24] Future Outlook - The integration of financial cloud and core business middle platform systems is expected to provide comprehensive solutions for consumer credit in smart banking [19] - The application of vertical large models in financial scenarios is anticipated to facilitate a transition from basic digitalization to deep intelligent transformation within the industry [36]

Group 1 - The core viewpoint of the report is that the Chinese fintech industry is expected to grow significantly, with a market size projected to exceed 650 billion yuan by 2028, driven by technological innovation and policy support [1][13][11] - The report highlights the importance of digital transformation in financial institutions, emphasizing that strategic planning is becoming a core driver for this transformation [9][21] - The integration of advanced technologies such as artificial intelligence and big data is crucial, with a notable increase in cloud deployment acceptance among financial institutions [1][9][11] Group 2 - The report outlines the current state of the fintech industry, indicating that the market is transitioning from a focus on technology-driven solutions to a more business-driven approach [9][21] - It emphasizes the growing demand for comprehensive and systematic financial technology services, particularly in banking, insurance, and securities sectors [9][21] - The report identifies key trends in technology development, including the rapid growth of generative AI investments and the slow adoption of blockchain products [1][11][13] Group 3 - The report evaluates outstanding enterprises in the fintech sector, recognizing companies like Softcom Power and Chexiao Technology for their innovative services [1][11] - It discusses the need for technology service providers to enhance their product customization and scenario-based capabilities to meet the evolving demands of financial institutions [1][11] - Experts predict that the fintech industry will focus on the integration of large models, cloud-native and AI-native solutions, and compliance technology in the future [1][11][13]