江南时报讯 近日，靖江农商银行对全行信贷审批系统中的贷款风险模型开展了系统性返检，通过"深度 体检"全面评估与优化智能模型，提升风险识别精准度，为业务稳健发展提供保障。 在数字化金融服务时代，贷款审批高度依赖智能风控模型。随着市场环境和客户行为变化，模型需持续 校准以保持精准。本次返检覆盖小微企业主、个体工商户、农户等6类客群的全流程模型。技术团队通 过比对模型预测结果与实际表现，从区分能力、稳定性、准确性等维度全面评估，确保模型处于最佳状 态。 优化后的模型在风险可控前提下，提升了不同客群的服务精准度，实现了风险管控与业务发展的良性互 动。针对零售信贷业务，团队还优化了利率额度模型，引入多维度数据交叉验证，使收入测算更贴近客 户实际。 此次返检进一步提升了信贷审批的智能化水平，既防范了潜在风险，也避免了因模型偏差而错失优质客 户。这是该行深化普惠金融服务、践行金融工作人民性的重要实践，有助于提升金融服务的可得性、精 准度和满意度。 未来，靖江农商银行将继续完善模型生命周期管理机制，推动从定期检测向实时监测演进，构建更智能 的风控体系，为客户提供更精准、高效的金融服务，确保业务稳健可持续发展。 陆钰婷 ...

Core Viewpoint - The forum discussed how finance can support the development of new productive forces, emphasizing the need for collaboration between commercial banks and innovative enterprises [1] Group 1: Financial System and Innovation - The current banking-dominated financial system must expand its support for technological innovation, with banks establishing specialized departments to provide tailored financial services for high-tech and specialized small and medium enterprises [3] - Long-term exploration of the investment-loan linkage model encourages banks to collaborate with external investment institutions to share risks while gaining better insights into the operational conditions of loan enterprises [3] - Development of intellectual property pledge financing is facilitated by advancements in AI and digital banking, which improve the assessment of intellectual property market value [3] Group 2: Bond Market and Venture Capital - Establishment of a technology board in the bond market is supported by the central bank, which promotes the issuance of innovation bonds for tech enterprises and provides risk compensation through structural tools [4] - The central government is advancing the establishment of a national venture capital guidance fund to address fundraising, investment, management, and exit issues, particularly focusing on improving exit channels beyond IPOs [4] - The equity market is encouraged to support innovation enterprises, enhancing the service levels of the Sci-Tech Innovation Board and the Growth Enterprise Market [4] Group 3: Technology Empowering Financial Services - The use of AI and machine learning to create intelligent risk control models can lower decision-making costs and risks for financial institutions, optimizing the efficiency of fund utilization [5] - Dynamic credit profiles can enhance risk identification capabilities, while effective risk-sharing and compensation mechanisms, such as insurance, are necessary for financing technology enterprises [5] - The integration of smart technology in financial services is expected to create effective channels for supporting the development of new productive forces [5]

Core Insights - The new round of technological revolution is accelerating, with artificial intelligence as the core driving force, leading to profound changes and innovations across various fields [1] - There is a need to shift from following to leading in more areas, from innovation in end products to breakthroughs in key core technologies, and from encouraging integrated innovation to promoting original innovation [1] - The relationship between technology, industry, and finance is interdependent, with financial support being crucial for both technological and industrial innovation [1] Financial Support and Innovation - Financial markets, particularly direct financing through stocks, are more beneficial for the integration of technology and capital compared to traditional bank loans [1] - There is a call to develop the merger and acquisition market and encourage the establishment of market-oriented acquisition funds to address the exit issues faced by venture capital institutions [2] - The use of artificial intelligence and machine learning is recommended to build intelligent risk control models that dynamically assess corporate credit risks, thereby reducing decision-making costs and risks for financial institutions [2] Risk Management and Credit Assessment - Dynamic credit profiles should be constructed using intelligent technologies to enhance financial institutions' risk identification capabilities [2] - Effective risk-sharing and compensation mechanisms, such as insurance and reinsurance, should be established to support financing for technology-based enterprises [2] - Exploration of local government mechanisms for credit assessment and risk compensation for innovative enterprises is suggested [2]

Core Insights - The article highlights the persistent financing challenges faced by small and micro enterprises, particularly in sectors like medical devices, home decoration, and packaging, which are crucial for the stability of the supply chain and regional economies [1][4][8] Financing Challenges - Small and micro enterprises often encounter difficulties in securing timely financing due to traditional banking processes that are slow and require collateral, leading to missed business opportunities [2][3][4] - The seasonal and cyclical nature of demand in industries such as education and fast-moving consumer goods exacerbates the need for quick access to funds [3][4] Innovative Financing Solutions - Minsheng Bank has introduced the "Minsheng Quick Loan - Decoupled Model," which leverages financial technology to create a more open and intelligent risk control system, moving away from reliance on a single core enterprise for credit backing [5][6] - This model allows small enterprises to apply for loans through a mobile app, streamlining the process from application to disbursement, significantly improving financing efficiency [6][8] Industry-Specific Risk Control - The "Decoupled Quick Loan" model employs differentiated risk control strategies tailored to the specific characteristics of various industries, ensuring that financing solutions are relevant and effective [6][7] - For example, the model assesses the stability of partnerships and market responsiveness for medical device distributors, while focusing on brand recognition and seasonal sales patterns for home decoration suppliers [6][7] Collaborative Financing Ecosystem - The success of the "Decoupled Quick Loan" is supported by a broader financing coordination mechanism involving local governments and financial regulators, aimed at addressing the specific challenges faced by small enterprises [7][8] - This collaborative approach enhances information sharing and credit empowerment, facilitating targeted product and service innovations to meet the needs of small and micro enterprises [7][8] Positive Social Impact - Since its launch, the "Minsheng Quick Loan - Decoupled Model" has provided financing support to over 400 small enterprises in Shanghai, contributing to job stability and economic growth [8] - The model has proven effective in reaching small enterprises that traditional supply chain financing often overlooks, thereby fostering a more inclusive financial ecosystem [8]

Core Viewpoint - The financial industry is undergoing a transformative change driven by digitalization, necessitating collaboration among government, industry, academia, and research to enhance the self-controllable capabilities of financial technology and financial information services [1][2]. Group 1: Collaboration and Objectives - A memorandum of cooperation was signed among China Economic Information Service, Renmin University of China, and China Electronics Cloud Computing Technology Co., focusing on building a comprehensive platform that integrates data, intelligence, and technology to support the construction of a strong financial nation [1][2]. - The collaboration aims to cultivate a new generation of financial talents who understand both Chinese national conditions and possess a global perspective, combining authoritative data resources, cutting-edge technology capabilities, and top-tier educational resources [2]. - The partnership will address critical challenges in the financial sector, leveraging academic research strengths and corporate engineering capabilities to tackle issues such as data security and financial risk prevention [2][3]. Group 2: Technological Development and Innovation - The three parties will jointly develop financial big data analysis and intelligent risk control models, utilizing the laboratory's flexible mechanisms to create innovative products like the professional terminal of Xinhua Finance [2]. - The initiative aims to strengthen the application of domestic digital infrastructure in the financial industry, promoting technological breakthroughs and the transformation of research outcomes into practical applications [3].