Core Viewpoint - The company, Anshuo Information, plans to raise up to 600 million yuan through a private placement, with nearly 60% of the funds allocated for an AI-based smart credit system project, reflecting the growing demand for digitalization in financial services driven by the AI wave [1][2]. Group 1: Fundraising and Project Allocation - Anshuo Information intends to issue shares to no more than 35 specific investors, with a total fundraising amount not exceeding 600 million yuan, all of which will be used for various projects including the AI-based smart credit system [1][2]. - The smart credit system project has a planned total investment of approximately 354 million yuan, with about 353 million yuan coming from the raised funds, accounting for 58.78% of the total [2]. - Other projects include a comprehensive risk digital management platform with an investment of 71.93 million yuan (11.99% of the total), a digital financial R&D center upgrade costing 62.4 million yuan (10.4%), and working capital supplementation of 113 million yuan (18.83%) [2]. Group 2: Market Trends and Company Strategy - The company aims to enhance its operations through the AI-based smart credit system by adding four new modules and upgrading eleven existing ones, with a construction period of 36 months and an expected annual revenue of 600 million yuan upon completion [2][3]. - Anshuo Information has noted a rising trend in digital and intelligent credit business needs, with 84.29% of surveyed banks having deployed a digital financial strategy [3]. - The banking sector's IT investment in China reached approximately 163.4 billion yuan in 2023, showing a year-on-year growth of 13%, with a projected compound annual growth rate of 9.3% from 2024 to 2028 [3]. Group 3: Company Performance and Shareholding - In the first quarter of this year, Anshuo Information reported a revenue of 150 million yuan, an increase of 8.92% year-on-year, while the net profit attributable to shareholders decreased by 35.99% to 1.6483 million yuan [4]. - The revenue from credit management systems accounted for 72.74% of the company's total revenue in the 2024 financial report [4]. - Anshuo Development holds 27.93% of the company's shares, making it the controlling shareholder, while the actual controllers, Gao Yong and Gao Ming, collectively control 41.28% of the shares, ensuring that the control of the company remains unchanged post-fundraising [4].

Core Viewpoint - The launch of the upgraded "Postal Wallet APP 3.0" by China Post Consumer Finance aims to enhance customer experience and support consumption through innovative financial services [1][3][4]. Group 1: Product Innovation - The Postal Wallet APP 3.0 has undergone a comprehensive upgrade focusing on five key areas: interactive experience, service functionality, AI-driven financial services, brand trust enhancement, and new experiences within the Harmony ecosystem [5]. - The app has optimized user interaction, simplifying the loan process to three steps and making financial terminology more accessible, significantly improving user experience and lowering barriers to use [8]. - New features include YO+ credit scoring and "Credit Compass," which utilize multi-dimensional data modeling to provide personalized financial services and help users identify hidden risks [8]. Group 2: Risk Management - The company emphasizes the importance of self-developed risk control systems as a core competitive advantage, utilizing a digital risk management platform and big data models to accurately identify customer risks [8][9]. - A comprehensive fraud risk prevention system has been established to protect customer rights against individual and group fraud [8]. Group 3: Technological Development - The company is committed to full-chain independent research and development, with over 90% of its systems self-developed, and has applied for 146 invention patents, of which 101 have been authorized [9][10]. - The integration of AI technologies has led to the development of tools like "Postal Vision" and virtual digital assistants, enhancing customer service and operational efficiency [9][10]. Group 4: Ecosystem Expansion - The company is focused on building a "Postal Consumer Finance+" ecosystem, collaborating with various partners to create a diverse and open ecosystem that offers comprehensive financial and lifestyle services [11]. - The collaboration with academic and industry leaders during the launch event provided valuable insights into the role of credit data and technology in the digital transformation of consumer finance [11]. Group 5: Future Vision - The company envisions a more inclusive financial future, leveraging technology to enhance user experience while ensuring robust risk management [12].

近日在西安举行的数云原力2025·数智金融论坛上，来自监管、研究机构、学术机构以及金融机构的专家学者汇聚，围绕"金融大模型应用"和"银行转 型新机遇"等话题展开讨论，分享数智化转型建设经验，揭示数智化转型的新起点、新机遇，探讨数智金融发展的新挑战、新实践。 数智化转型锚定发展新坐标 陕西省决策咨询委员会委员、陕西省委金融办一级巡视员张春明在致辞中表示，陕西通过深化科技赋能应用、优化金融服务模式，在缓解中小企业融 资难题，助力乡村振兴、绿色发展等重点领域积极作为，为全省经济高质量发展注入了强劲动力。陕西省委金融办、金融工委将一如既往地高度重视数智 金融发展，持续完善政策支持体系，加强数字金融基础设施建设，为各类金融机构和企业在陕西发展提供全方位、高质量的服务。 神州信息联席董事长王永利表示，AI大模型的广泛应用正成为金融业实现新发展的重大推动力，人工智能已成为重塑金融行业核心竞争力的关键要 素，促使行业迈入金融与科技领域深度融合，积极探索发展新机的关键时点。 人工智能（AI）时代，金融数智化如何应对数据壁垒、隐私保护、安全保障等重重挑战？中小金融机构在AI建设中如何兼顾成本和效能？面对全球 数智化浪潮，中国又将 ...