数字风控

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工行钦州分行:谱写“五篇大文章” 金融“活水”润泽实体经济
Zhong Guo Jin Rong Xin Xi Wang· 2025-09-17 12:16
Core Viewpoint - The Industrial and Commercial Bank of China (ICBC) Qinzhou Branch is committed to enhancing financial services for the real economy, focusing on green transformation, inclusive finance, and technological innovation to support high-quality economic development [1][2][3][4][5]. Group 1: Green Transformation - The bank prioritizes green credit as a key focus, establishing a dedicated team to meet the financing needs of green low-carbon enterprises and optimizing the credit structure [1]. - Green financial indicators are included in the bank's KPI assessments, with special incentive plans to boost marketing efforts [1]. - As of August 2025, the bank's green loan balance reached 3.558 billion yuan, significantly contributing to energy conservation, environmental protection, and circular economy development in the region [1]. Group 2: Inclusive Finance - The bank enhances operational efficiency by closely listening to the needs of small and micro enterprises, optimizing resource integration, and strengthening collaboration across various lines [2]. - As of August, the inclusive loan balance was 1.838 billion yuan, with an increase of 220 million yuan since the beginning of the year, demonstrating strong support for private small and micro enterprises [2]. Group 3: Technological Empowerment - The bank focuses on the high-quality development of the manufacturing sector, implementing targeted strategies and enhancing supply chain finance to improve industry resilience [3]. - As of August, the loan balance for technology-based enterprises (excluding bills) was 3.333 billion yuan, with an increase of 445 million yuan since the start of the year [3]. Group 4: Pension Services - The bank develops a comprehensive pension product system, addressing the needs of aging populations and enhancing employee training to improve communication skills regarding pension planning [4]. - The bank has successfully established a tripartite fund supervision mechanism for pension institutions, ensuring safe and efficient management of pre-receipt funds [4]. Group 5: Digital Risk Control - The bank promotes a comprehensive risk control system for inclusive finance, utilizing big data and AI to enhance risk identification and management [5]. - The integration of various data sources into a "data lake" improves decision-making capabilities and service efficiency, allowing staff to focus more on customer maintenance and precise marketing [5].
数字金融赋能 第五届数字金融科技大会成功举办
Zheng Quan Ri Bao Wang· 2025-09-12 13:25
此次活动由厦门市政协教科卫体委支持,厦门市科技经济促进会、白鸽在线(厦门)数字科技股份有限公 司、通用技术金砖(厦门)投资发展有限公司、中国联合网络通信有限公司厦门市分公司主办。 大会分享环节,来自高校、机构、企业的专家代表围绕AI、5G、大数据、数字货币等议题深入探讨数 字经济发展路径。 本报讯(记者李婷)9月10日,作为第25届中国国际投资贸易洽谈会重要的配套活动,以"智联金砖数驱未 来"为主题的第五届数字金融科技大会暨首届"金砖+"数字化贸易合作交流大会在厦门国际会议展览中心 成功举办。 现场,白鸽在线与福建省大数据集团、中国联通厦门公司等单位签署战略合作协议,未来将推动数字科 技与实体经济、社会民生融合,强化金融科技领域创新应用。 活动汇聚科技金融领域的专家学者、企业代表及各金融机构负责人,围绕人工智能、数据要素、数字风 控、金融科技成果转化及"金砖+"企业跨境服务通道建设等话题展开探讨,通过联动"金砖+一带一路"国 家技术资源,优化数字金融服务生态,强化金融科技对实体经济的赋能作用,为全球数字经济发展注入 新动能。 ...
数字金融赋能“金砖+”合作 第五届数字金融科技大会在厦门举办
Sou Hu Cai Jing· 2025-09-12 01:26
Group 1 - The fifth Digital Financial Technology Conference and the first "BRICS+" Digital Trade Cooperation Exchange Conference were held in Xiamen, focusing on the theme "Intelligent Connection of BRICS, Driving the Future" [1] - The conference gathered experts, scholars, and representatives from enterprises and financial institutions to discuss topics such as artificial intelligence, data elements, digital risk control, and the construction of cross-border service channels for "BRICS+" enterprises [1][2] - The event aimed to optimize the digital financial service ecosystem and enhance the empowerment of financial technology on the real economy, injecting new momentum into global digital economic development [1] Group 2 - A series of project signing ceremonies took place, with a focus on leveraging data elements and artificial intelligence to promote the integration of digital technology with the real economy and social livelihood [2] - The conference emphasized the development of digital solutions in areas such as computing power services, digital risk management, low-altitude economy, and new energy travel insurance payment technology [2] - The event was co-hosted by the Xiamen Science and Technology Economic Promotion Association and Baige Online (Xiamen) Digital Technology Company, highlighting the collaborative efforts in the digital finance sector [3]
浦发银行一分行三任行长同时被罚!“数字风控”为何难见成效
Nan Fang Du Shi Bao· 2025-04-10 07:52
据国家金融监督管理总局河南监管局官网4月8日发布的消息,浦发银行安阳分行7名员工被国家金融监 督管理总局安阳监管分局开罚单,其中包括该分行三任行长。处罚力度上,有时任分行客户经理被禁业 5年。此前,浦发银行安阳分行已经因为个人消费贷款管理不到位等原因被罚款245万元。 企查查信息显示,祁熙曾于2014年7月至2018年3月任浦发银行安阳分行负责人。韩国杰则是祁熙的继任 者,其于2018年3月至2021年8月任浦发银行安阳分行负责人。2021年8月后,该分行负责人变更为张永 红。 分析称,三任行长接连被罚暴露出该分行在内控合规管理上存在漏洞。尤其是前两任行长任职时间跨度 较长,却均因消费贷管理漏洞被罚,显示出该行业务惯性风险长期未破。 不过,南都湾财社记者查询发现,目前浦发银行安阳分行行长已经换人,不再是张永红。公开信息显 示,3月11日,浦发银行安阳分行行长杨高峰到访中原安阳担保进行座谈交流。 "数字风控"依然未阻断业务违规现象 包括3任行长在内的7人被罚 国家金融监督管理总局安阳监管分局公布的行政处罚信息公示表显示,浦发银行安阳分行7名员工被 罚。 其中,时任浦发银行安阳分行公司业务部(零售业务部)副总经理 ...