Group 1: AI and Big Data in Finance - The integration of artificial intelligence and big data is reshaping the core operational models of the financial industry, with significant developments in China's fintech sector following the global AI wave initiated by ChatGPT [2] - Major financial institutions like ICBC and China Merchants Bank are leading the application of AI in finance, while Tencent Cloud and Ant Group excel in technology output [2] - Ant Group has developed a leading AI risk control system that supports real-time transactions and compliance for hundreds of millions of users [2] Group 2: Evolution of Credit Risk Assessment - The credit risk evaluation system in banks has evolved from information-based to data-driven and intelligent systems, driven by the deep integration of data and technology [3] - Traditional credit risk assessment relied heavily on customer-provided information and internal data, limiting the use of external data [3] - The rise of digital finance allows financial institutions to access a broader range of external data, enhancing the comprehensiveness of risk assessments [3] Group 3: Innovation in Banking Services - Banks are innovating their service models by integrating online and offline channels, enabling personalized services anytime and anywhere [4] - The application of technologies like Intelligent Process Automation (IPA) has significantly improved operational efficiency, reducing processing times from days to minutes [4] - The focus of banking innovation has shifted from product-centric to ecosystem-centric approaches, integrating business, data, and technology [5] Group 4: Challenges in Inclusive Finance - Financial services for small and micro enterprises face challenges due to high service costs and the inherent risk characteristics of these customer segments [6] - Information asymmetry exacerbates the difficulties in risk identification and control in these segments [6] - Data is recognized as a key production factor in the digital transformation, with its marginal utility increasing as it is reused [6] Group 5: Enhancements in Risk Control Models - Traditional risk control models are limited by the narrow scope of data used, often leading to inadequate risk assessments [7] - By integrating diverse data sources, including user behavior and environmental factors, a more comprehensive risk management system can be developed [7] - The value of data increases with volume and reduced application barriers, enhancing both social and economic value [7] Group 6: AI in Anti-Money Laundering - Ant Group's anti-money laundering system combines AI and graph computing to enhance the identification of complex relationships [9] - The system utilizes heterogeneous graph modeling to depict various entities and their relationships, enabling effective tracking of fund flows [9] - AI plays a crucial role in analyzing suspicious transactions and automating report generation, improving decision-making efficiency [10]

成立于2010年的金荣集团是一家以金融科技为核心驱动力的跨国企业集团，持有HKGX、DMCC和 BVIFSC等国际权威牌照，集团业务包含经纪业务、金融科技、流动性服务、实金交易四大板块，覆盖 全球30+国家与地区，致力于服务全球投资者。 技术创新，引领金融行业变革 在技术创新方面，金荣集团坚持以技术创新赋能金融，不断探索金融服务的新模式与新路径，年均研发 投入占比超15%，拥有20+项金融科技专利，在技术创新方面处于行业领先地位。由金荣集团自主研发 的CTOTrader交易系统采用集群化交易服务器架构，支持实时行情接入、毫秒级订单撮合与多终端数据 同步，确保用户能够快速、流畅地完成交易。 在全球金融行业权威平台PAN Finance(泛财经)的2025年度评选中，金荣集团(UPWAY GROUP)作为全球 领先的综合性金融科技服务商，凭借在技术创新与人工智能等领域的卓越实践，荣获2025年度亚太及阿 联酋地区"最具创新性交易技术提供商(Most Innovative Trading Technology Provider)"、"最佳人工智能风 险控制系统(Best AI-Powered Risk Contro ...