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以数字金融助力消费信贷提质扩面(深入学习贯彻习近平新时代中国特色社会主义思想·学习《习近平经济文选》第一卷专家谈)
Ren Min Ri Bao· 2025-04-29 22:31
Core Viewpoint - The article emphasizes the importance of expanding domestic demand and enhancing consumption to counteract external economic pressures, particularly in light of recent U.S. tariff increases. It highlights the role of consumer credit and digital finance in stimulating consumption and supporting economic growth [1][3]. Group 1: Consumer Credit and Economic Growth - Consumer credit is identified as a crucial driver for consumption, with policies implemented to support its growth, contributing significantly to economic expansion [3][4]. - In 2024, China's retail sales are projected to exceed 48 trillion yuan, reflecting a 3.5% increase from the previous year, with final consumption contributing 2.2 percentage points to GDP growth [3][4]. Group 2: Digital Finance as a Catalyst - Digital finance is recognized as a powerful tool for enhancing the quality and accessibility of consumer credit, leveraging technology to improve service delivery and reduce costs [6][8]. - The integration of digital finance allows for a more efficient credit process, transforming traditional lending practices and enhancing consumer experience [8][9]. Group 3: Challenges and Opportunities - Despite the growth potential, China's consumer credit market faces challenges such as an underdeveloped social credit system and high service costs, which hinder further expansion [5][10]. - The article suggests that addressing these challenges through improved digital infrastructure and regulatory frameworks is essential for unlocking the full potential of consumer credit [11][13]. Group 4: Policy Support and Future Directions - The government has introduced various policies to bolster consumer credit, including encouraging financial institutions to increase personal loan offerings while managing risks [4][10]. - Future efforts should focus on enhancing digital infrastructure, ensuring data security, and fostering a regulatory environment that supports innovation while protecting consumer rights [12][13].
复贷率93.9%的背后:奇富科技(QFIN.US)以AI创极简服务,赢长期信任
智通财经网· 2025-04-24 01:19
在消费信贷助力消费市场蓬勃发展的大潮中,金融科技行业的竞争愈发白热化。用户对信贷服务的需 求,早已从单纯的能借钱,提升至"快、准、稳"的高品质体验。奇富科技(QFIN.US)最新数据显示,平 台用户复贷率连续9个季度超90%,显著高于行业平均水平。这一数据的背后,是用户对平台"极简流 程、极致体验"服务逻辑的认可。而将这种服务理念转化为市场竞争力的关键,在于技术驱动下的全流 程创新。 如果说极简流程是用户体验的基石,那么智能风控则是效率提升的核心引擎。平台通过AI风控模型实 现99.5%申请的"秒批",平均审批时间从原3分钟以上缩短至最快20秒,5分钟内放款到账率高达90%。 这种近乎无感的服务体验,成功覆盖90%使用场景,让用户真正感受到"急需即得"的便利。 极致服务:24小时响应,解决"最后一公里"焦虑 在实现技术赋能的效率突破后,奇富科技进一步洞察到:金融服务的特殊性在于,用户往往在深夜、节 假日等非标时段产生紧急需求。为此,平台构建起"AI+人工"的全时段守护体系,将服务触角延伸至用 户体验的每个神经末梢。 7×24小时在线客服系统实现用户咨询毫秒级响应,AI伴侣小奇通过自然语言处理技术,智能化解决8 ...