金融科技服务

Search documents
AI驱动金融创新,百融云创以三大核心重构银行业务
Huan Qiu Wang· 2025-09-17 08:07
Core Insights - The discussion at the China International Service Trade Fair highlighted the role of AI in driving financial innovation and the challenges faced in its implementation [1] - A significant transformation driven by large models is expected by 2025, with nearly half of global financial institutions already initiating large model applications [1] - The key to successful AI implementation lies in aligning AI technology with measurable performance indicators (KPIs) [1] Group 1: AI Integration in Banking - The first step involves the AI-driven automation of business processes, where repetitive and standardized tasks can be replaced or assisted by AI, enhancing overall business efficiency [2] - The second step focuses on the AI integration of business know-how, which involves structuring implicit business rules and risk judgment logic into a format that AI can understand, thus enabling automated decision-making [2] - The third step is establishing a standardized evaluation system for AI value delivery, emphasizing the importance of real-world application and its impact on cost reduction, risk management, and customer experience [3] Group 2: Addressing Industry Challenges - The banking sector currently faces a "three lows and one high" dilemma, characterized by low interest rates, low spreads, low returns, and high non-performing loan rates [3] - The post-loan management process is critical for banks' stable operations, and traditional methods are increasingly challenged by rising non-performing loan rates [3] - The company has developed an AI-driven post-loan solution that incorporates the "Silicon-based Human Legion" concept to overcome the limitations of traditional manual operations [3]
Notified携手富途及纳斯达克联合主办深圳投资者关系论坛
Globenewswire· 2025-09-17 04:58
Group 1 - Notified and Futu are co-hosting an exclusive investor relations forum on September 17, 2025, featuring executives from publicly listed companies in China, Hong Kong, and the United States [1] - Eric Liu, Senior Director of Notified Greater China, will deliver a keynote speech on the latest trends and best practices in investor relations communication, including global investor outreach and the application of artificial intelligence [1] - Futu is a leading fintech company providing comprehensive digital financial services, including ESOP solutions, IPO distribution, and investor relations services, establishing itself as a preferred partner for many well-known enterprises [1][4] Group 2 - Notified is a technology partner focused on serving investor relations and public relations professionals, offering an integrated platform for media outreach, press release distribution, and investor management [3] - Futu Holdings Limited, listed on NASDAQ as FUTU, holds over 100 licenses across multiple markets, including the US, Hong Kong, Canada, Singapore, Japan, Malaysia, and Australia [4]
新希望金融科技CEO徐志华:零售信贷风险释放天然呈现“非匀速”特性,盲目叫停会浪费早期风险成本
Mei Ri Jing Ji Xin Wen· 2025-09-16 07:13
作为融通银行零售风险管理与业务发展的资深专家,徐志华指出,零售信贷从来就不存在"零风险"的完 美状态,而是具有"小额、分散、允许一定比例风险存在"的特点,其风险释放天然具有"非匀速"特性。 银行需坚守"长期主义",保持战略定力与经营连续性,方能在零售信贷领域收获持续而稳定的价值回 报。 近日,由新希望金融科技主办的"未来银行大会2025"在成都举行。本届大会围绕银行业净息差、风险管 理、同业竞争、数字化转型等议题,通过主题演讲、实战分享、合作签约等多种形式展开探讨,吸引了 全国超200家银行的600余位高管参会。 "冻土之下,必有春芽。"新希望金融科技CEO徐志华以一句大会主题为引,通过函数推演与数学建模, 在主旨演讲中分享了对于零售信贷业务发展底层逻辑的看法。 零售信贷风险释放天然"非匀速" 徐志华的观察来源于新希望金融科技过去协助中国银行业机构所发放的1.2万亿元贷款。这些贷款绝大 多数由1万元、2万元、3万元这样的小额借据构成,并持续经历着借、还、新增以及滚动的过程。 "零售信贷,其实是形成了一个'资产池',会持续产生坏账,同时也在持续地产生利息。"为了推导出零 售信贷的规律和逻辑,徐志华以"某银行于9 ...
宜享花以科技赋能普惠金融,精准滴灌小微激活消费市场
Sou Hu Cai Jing· 2025-09-16 06:27
作为金融科技领域的创新实践者,宜享花积极响应国家关于金融支持消费的政策导向,以科技赋能普惠金融,依 托智能风控与场景化服务精准连接小微群体与金融机构,有效降低融资门槛、提升服务效率,在筑牢安全合规底 线的同时,持续激活消费市场活力,助力实体经济高质量发展。 宜人智科旗下宜享花平台始终将合规运营视为发展基石,严格遵守《网络安全法》《数据安全法》及《个人信息 保护法》等法律法规,将监管要求深度融入业务流程,构建了覆盖全链条的个人信息保护体系。在风控方面,平 台依托人工智能与大数据的智能风控及反欺诈系统持续升级,自主研发的"Hawkeye反欺诈管理系统"有效防控风 险,自有黑名单规模已超600万,累计拦截欺诈申请超50万次,阻断黑产攻击近4.2万次。通过人工复核高风险申 请超4100次,成功锁定违规代理43家,挖掘黑产线索1872条,坚实筑牢安全防线。 宜享花在提供高效金融科技服务的同时,始终将用户信息安全与网络安全置于首位。平台建立了专业的数据合规 与安全团队,构建了网络信息安全风险的三道防线体系。今年3月,宜享花发布《消费者权益保护2024年度报 告》,建立六大消保评审维度,对涉及消费者权益的内容开展消保审查, ...
智能体:打通大模型部署使用的“最后一公里”
Jin Rong Shi Bao· 2025-09-16 01:48
"金融是人工智能(AI)技术最具价值的试验田。"在2025年服贸会期间举行的第七届中国金融科技 论坛上,奇富科技首席执行官吴海生表示,"金融智能体正在经历从辅助到决策、从外围到核心、从局 部到全局的进化。" 国务院8月26日发布的《关于深入实施"人工智能+"行动的意见》提出,在软件、信息、金融、商 务、法律、交通、物流、商贸等领域,推动新一代智能终端、智能体等广泛应用。 近两年,金融科技、数字科技等平台企业积极在智能客服、自动化运维等场景进行AI大模型多维 度探索,夯实数字化基建底盘,从辅助业务环节入手,逐步渗透至金融业务的核心层,让科技加持的金 融服务"通行能力"实现代际跃升。 在技术赋能方面,中央财经大学中国互联网经济研究院副院长欧阳日辉总结称,平台企业将大数 据、人工智能、区块链等前沿技术以模块化、服务化的方式输出给金融机构,帮助其提升风控能力、优 化产品设计,实现精准营销与服务响应。 专家表示,当金融领域的生态协同从单点探索走向规模推广,制度规范从零散构建迈向体系化完 善,平台的创新应持续聚焦关键议题。 "平台企业的创新并非单向的技术输出或商业收益,而是多方共建、风险共担、价值共享的创新治 理新格局。 ...
Why Top Investors Are Buying FISERV INC (FI)
Acquirersmultiple· 2025-09-15 22:17
According to their latest 13F filings, institutional investors made a series of notable moves in Fiserv Inc. (FI), reflecting ongoing interest in the financial technology leader. Known for its payment processing, digital banking solutions, and broad fintech footprint, FI continues to attract a diverse range of hedge funds and asset managers positioning for long-term growth.Let’s examine some of the most notable changes:Baupost Group LLC/MA (Seth Klarman)Shares: 895,000Change: New PositionValue: $0.15BSeth K ...
海联金汇:无逾期对外担保
Zheng Quan Ri Bao Wang· 2025-09-15 12:50
Group 1 - The company, Hailian Jinhui (002537), announced on the evening of September 15 that there are no overdue external guarantees [1]
外滩大会首届全球主题日召开 探讨亚洲及全球金融科技发展路径
Yang Guang Wang· 2025-09-13 02:20
Group 1 - The 2025 Inclusion·Bund Conference hosted its first "Global Theme Day," bringing together major fintech events from Singapore and Hong Kong to discuss the development paths of fintech in Asia and globally [1] - Key discussions emphasized the deep integration of technology and industry, robust innovation under regulatory compliance, and collaborative win-win strategies as core consensus for high-quality fintech development [1][2] - The focus in the AI sector has shifted from technical potential to application benefits, with numerous practical cases shared on enhancing financial service efficiency, strengthening risk control, and optimizing business decisions [1] Group 2 - The conference highlighted the importance of balancing innovation incentives with risk prevention, with discussions on the development trends and regulatory frameworks for tokenized products in Hong Kong [2] - The Hong Kong government aims to create a conducive environment for digital asset development by optimizing legal and regulatory frameworks, as outlined in the "Hong Kong Digital Asset Development Policy Declaration 2.0" [2] - A McKinsey report indicated that Asia is a vibrant corridor for global trade growth, with 18 out of the 20 fastest-growing trade corridors located in Asia, prompting discussions on deepening cooperation in finance, technology, and innovation across the region [2] Group 3 - The CEO of Global Finance & Technology Network (GFTN) identified four characteristics of the emerging Asian market: a large and fast-paced market culture open to new technologies, youth-driven innovation, traditional industry leaders seeking digital transformation, and a strong regulatory focus on inclusivity and consumer protection [3] - The conference maintained a high level of international participation, featuring 62 international guests from 15 countries and regions, reinforcing Shanghai's role as a global financial and tech innovation center [5]
京北方:截至2025年9月10日公司股东人数为107560户
Zheng Quan Ri Bao Wang· 2025-09-12 09:45
Group 1 - The company, Jingbeifang (002987), reported that as of September 10, 2025, the number of shareholders is 107,560, including margin accounts [1]
《亚洲银行家》携30位海外银行家参访乐信,盛赞中国AI智能体发展领先国外同行
Xin Lang Zheng Quan· 2025-09-12 08:46
9月11日,来自13个国家、30位海外知名银行家来到乐信深圳总部交流调研。乐信副总裁薛锴、AI技术 总监Dustin向参访团讲解乐信在AI方面的创新实践,并进行了深度交流。 乐信海外业务的快速发展同样得到了参访团的重点关注。凭借集团累积十余年的风控、技术和中后台等 金融科技能力,乐信海外市场目前已在墨西哥、印尼等国家实现快速发展。"未来我们将继续拓展更多 国家和地区,为消费者打造普惠、便捷的金融服务。"乐信副总裁薛锴表示。 多位参访的海外银行家表示,此次参访不仅对乐信的科技创新与业务模式有了更深入的了解,也切实体 会到中国金融科技在全球市场上的竞争力,期待未来能与乐信达成进一步的具体合作。 随着中国企业加速拓展海外市场,其领先的科技能力正在全球范围内引发广泛关注。此次参访由《亚洲 银行家》杂志组织,核心行程就是重点探访中国AI技术领先的代表性企业。除乐信外,海外银行家们 还先后参访了华为、抖音、浦发银行、蚂蚁集团、微众银行、众安保险等知名企业。 参访中,一众海外银行家对乐信的"复合智能体矩阵"高度关注,现场多次对中国企业在AI领域的亮眼成 绩表达高度认可。乐信"复合智能体矩阵"是公司基于多个AI智能体打造的能 ...