Core Insights - The article highlights the role of Ping An Rongyi in providing financial services to small and micro enterprises, particularly in the agricultural sector, through innovative technology solutions [1][5][8] Group 1: Financial Technology and Innovation - Ping An Rongyi's case study showcased at the CCTV Finance event emphasizes the use of AI and big data to address financing challenges for cattle farmers in Shandong [1][4] - The implementation of an AI-driven risk control model allows for quick loan approvals, exemplified by a farmer receiving a loan of 200,000 yuan with minimal documentation [4][5] Group 2: Support for Agricultural Development - The financial services provided by Ping An Rongyi are designed to alleviate the financing difficulties faced by farmers, particularly during market downturns [2][5] - The "Three Rural Protection Plan" aims to deliver efficient and sufficient financial services to farmers, including a dedicated "green channel" for agricultural loans [5][7] Group 3: On-the-Ground Engagement - Ping An Rongyi's nationwide outreach includes direct engagement with farmers to understand their needs and assist with loan applications, enhancing the relevance of their financial products [7][8] - The company has established a comprehensive support system for agricultural products, focusing on marketing and product upgrades to boost sales channels for farmers [7][8] Group 4: Impact and Future Directions - As of June 2025, Ping An Rongyi has supported over 480,000 agricultural small and micro enterprises with more than 60 billion yuan in funding, demonstrating the effectiveness of fintech in promoting inclusive finance [8] - The company plans to continue its grassroots approach, emphasizing a service philosophy that is convenient, efficient, and cost-effective for a broader range of small and micro enterprises [8]

Core Viewpoint - The investment in Qifu Technology is driven by the vast market potential of China's fintech sector, the company's established compliance position, and its high growth potential post-business recovery [1] Short-term Expectations - Qifu Technology reported a revenue of 5.216 billion yuan in Q2, exceeding market expectations with a quarter-on-quarter growth of 11.2% and a year-on-year growth of 25.4% [1] - The company achieved a significant breakthrough in capital cost management, issuing 7.8 billion yuan through ABS financing, a 70% year-on-year increase, while reducing comprehensive funding costs by 10 basis points [2] - Core risk control indicators improved, with the FPD7+ (first 7 days overdue rate) decreasing by 5% in June, indicating better loan quality, and a 60% year-on-year increase in new borrowers [3] - The company has a high provision coverage ratio of 662%, reflecting a strong safety net for potential risks [3] - Qifu's strategy of proactively reducing high-risk business is expected to lay a solid foundation for long-term stability, despite short-term scale pressures [3] Mid-term Expectations - Qifu Technology is rapidly expanding its 2B business and exploring globalization, with a 150% year-on-year increase in empowered loan volume in Q2 [6] - The upgraded core product, "FocusPRO Credit Super Intelligent Agent," has achieved T+0 zero rejection approval and is being implemented in over 20 financial institutions [6][8] - The company is enhancing its technical ecosystem through partnerships and joint laboratories, which will improve its bargaining power and market penetration [8] - Successful completion of its first small-scale loan in the UK demonstrates the adaptability of its AI risk control model to international markets [9] Long-term Expectations - Qifu Technology aims to evolve its AI technology system into a foundational operating system for global financial infrastructure, representing its core competitive advantage [10] - The integration of 670 models and 7129 strategies in its end-to-end risk identification system has improved the AUC index to 64.6%, indicating significant risk management enhancements [10][12] - The company has gained recognition in global academic circles, which will support its credibility in future overseas market expansions [12][13] - Qifu's comprehensive financial operating system addresses the limitations of traditional banking systems and emerging economies, positioning it as a potential architect of global digital finance [13][15]

自願公告 香港交易及結算所有限公司及香港聯合交易所有限公司對本公告之內容概不 負 責，對 其 準 確 性 或 完 整 性 亦 不 發 表 任 何 聲 明，並 明 確 表 示，概 不 對 因 本 公 告 全部或任何部份內容而產生或因倚賴該等內容而引致之任何損失承擔任何責 任。 TradeGo FinTech Limited 捷利交易寶金融科技有限公司 （於 開 曼 群 島 註 冊 成 立 的 有 限 公 司） （股 份 代 號：8017） 捷利交易寶金融科技有限公司 主席兼執行董事 劉 勇 中 華 人 民 共 和 國，深 圳，二 零 二 五 年 二 月 十 七 日 全面接入DeepSeek提 升AI金融科技賦能 本公告乃捷利交易寶金融科技有限公司（「本公司」，連 同 其 附 屬 公 司 統 稱「本 集 團」）自 願 作 出，以 向 其 股 東（「股 東」）及 潛 在 投 資 者 更 新 本 集 團 的 近 期 發 展。 本公司董事（「董 事」）會（「董事會」）欣 然 宣 佈，於2025年2月，本 公 司 作 為 領 先 的 金 融 科 技 服 務 運 營 商，將DeepSeek-R1模 型（「DeepSeek」 ...