作为国内企业商查领域的"领头羊"，企查查凭借其在大数据治理、人工智能应用及非金融场景风控等方面的突出表现，被授予"信用风险防控(信控)行业标 杆企业"称号。这一荣誉不仅肯定了企查查在推动信用服务智能化、标准化方面的积极探索，也凸显其在支撑全国统一大市场高质量发展中的突出作用。 近日，粤港澳大湾区信用建设发展联盟第二届信用"深聚会"在深圳圆满落幕。来自全国170余家信用服务机构、数据科技企业、高校研究机构、地方信用 中心及行业协会的代表齐聚一堂，围绕信用服务创新、数据合规治理、跨域协同机制等议题展开深入研讨，共绘信用体系建设新蓝图。 企查查的创新实践源于其在大数据与人工智能领域的深度布局。公司基于自有的企业全景数据库，开发有"汇智"AI大模型等创新产品。用户可通过对话式 提问(如"某某公司近期有哪些法律风险？")直接获取结构化答案，系统自动关联司法诉讼、行政处罚、股权冻结等数据。同时，企查查"第三方风险排查系 统"接入deepseek模型后，实现了企业风险排查一键生成功能，将风控服务从"信息检索"推向"智能决策"。 与会专家普遍认为，在人工智能与大数据深度融合的背景下，信用服务行业正处于由"信息中介"向"智能中 ...

岳志岗表示，面对"十五五"时期的更高要求，"智"正成为提升风险管理能力的重要推动力。面对日益复 杂的风险环境，有必要更好地借助大数据、人工智能等技术手段，提升对各类风险的识别、预警与预判 能力。近年来，人工智能正逐步融入金融业务的多个环节，从辅助决策转向驱动业务优化，从局部流程 改进向整体服务模式重构延展，有效提升了金融服务的覆盖面与精准度。不过，随着信用服务边界的拓 展，市场主体日益多元、融资场景日趋复杂，信用风险也逐步呈现出复杂性、传染性与隐蔽性的特征。 在此背景下，合理运用人工智能技术构建智能化的风险管理体系，已成为推动信用市场稳健发展的重要 方向。其中，指数类产品作为风险识别、定价与分散的重要工具，通过构建更加精细化、多维度的指数 体系，为市场提供客观、连续的参考基准，有助于引导资金实现更高效的配置。未来，应持续推进"智 驭风险"的实践，着力构建更加前瞻、智能、可靠的信用风险防控体系，为信用市场的健康稳定运行提 供有力保障。 中诚信国际研究院院长袁海霞在会上发表了题为《于变局中开新局："十五五"时期经济发展趋势与2026 年展望》的主旨演讲，对"十五五"时期中国经济发展环境和趋势作出了十大判断，总结了 ...

Core Viewpoint - The banking industry shows a strong resilience and improved operational efficiency, with total assets increasing by nearly 8% year-on-year, indicating a stable and positive trend in the sector [1] Group 1: Asset Growth and Financial Stability - As of mid-2023, the total assets of banking financial institutions reached 467.3 trillion yuan, a year-on-year increase of 7.9%, with large commercial banks' assets growing by 10.4% to 204.2 trillion yuan [1] - The non-performing loan (NPL) ratio stands at 1.49%, a decrease of 0.02 percentage points from the previous quarter, reflecting overall stability in asset quality [5] Group 2: Support for the Real Economy - The balance of inclusive micro and small enterprise loans reached 36 trillion yuan, growing by 12.3% year-on-year, while inclusive agricultural loans increased by 1.1 trillion yuan to 13.9 trillion yuan [2] - Large commercial banks accounted for over 16 trillion yuan of the inclusive micro and small enterprise loans, with a year-on-year increase of 13.84%, leading the industry in loan growth [3] Group 3: Operational Efficiency and Cost Management - The cost-to-income ratio for commercial banks improved to 30.2%, a decrease of 5.3 percentage points compared to the previous year, indicating enhanced operational efficiency [4] - Non-interest income as a proportion of total income rose to 25.75%, an increase of 3.33 percentage points since the end of last year, showing a positive trend in diversifying income sources [4] Group 4: Credit Risk Management - The banking sector has proactively managed credit risks, with new provisions totaling 1.1 trillion yuan, an increase of 579 billion yuan year-on-year, and the disposal of non-performing assets reaching 1.5 trillion yuan, up by 1.236 trillion yuan [5] - Capital adequacy ratios improved, with the overall capital adequacy ratio at 15.58%, up 0.30 percentage points from the previous quarter [5] Group 5: Capital Expansion - The issuance of subordinated debt and perpetual bonds by commercial banks has exceeded 1 trillion yuan this year, indicating a strong push for external capital [6] - Major banks have issued total loss-absorbing capacity (TLAC) bonds to meet regulatory requirements, with total issuance amounts of 800 billion yuan for Bank of China and Agricultural Bank of China, and 700 billion yuan for Bank of Communications [6]

Core Viewpoint - Nantong Rural Commercial Bank has implemented a comprehensive risk prevention system focusing on "understanding the situation, targeted measures, and dynamic management" to effectively address credit risk issues this year [1][2] Group 1: Large Risk Management - The bank has established a "one customer, one strategy" approach for large risk loans, with each executive responsible for two high-risk clients, ensuring targeted risk resolution through personalized exit plans [1] - The management team actively engages with key clients to collaboratively discuss risk mitigation strategies [1] Group 2: Small Loan Management - Since the establishment of the small non-performing loan operation center in September 2024, the bank has centralized management of non-performing loans under 1 million, recovering or revitalizing 517 cases amounting to 98.46 million yuan [1][2] - The integration of "Feiyu Good Loan" into centralized management aims to enhance operational efficiency and focus on revitalizing small loans [1] Group 3: Key Institution Oversight - The bank has implemented a "key institution responsibility system" for 19 branches with high levels of non-performing loans, where each executive oversees at least two branches, ensuring dynamic monitoring and accountability [2] - Monthly reports to the party committee facilitate a closed-loop management process, enhancing proactive risk management capabilities [2] Group 4: Asset Management Strategies - In the area of heavy asset business, the bank employs a dual approach of support and deterrence, assisting struggling enterprises while taking legal action against malicious debt evasion [2] - The bank has successfully recovered multiple non-performing assets through legal means, contributing to financial order stability [2] Group 5: Future Outlook - The bank aims to deepen the construction of long-term mechanisms to contribute to the stable development of regional financial security [2]

Group 1: Financial Performance - In Q1 2025, Qingdao Bank achieved operating revenue of 4.047 billion CNY, an increase of 357 million CNY, representing a growth of 9.69% [3] - The net profit attributable to shareholders in Q1 2025 was 1.258 billion CNY, up by 177 million CNY, which is a growth of 16.42% [3] Group 2: Asset Quality - As of March 2025, the non-performing loan ratio was 1.13%, a decrease of 0.01 percentage points from the beginning of the year [4] - The provision coverage ratio improved to 251.49%, an increase of 10.17 percentage points compared to the start of the year [4] Group 3: Operational Strategies - The bank focused on expanding interest-earning asset scale and increasing the proportion of high-yield assets while achieving significant cost reduction on the liability side [2] - Non-interest income growth was driven by enhanced financial investment scale and timely bond profit-taking operations [2]