Core Viewpoint - The "2025 People's Finance Forum" highlighted the importance of digital finance innovation, with Zhaolian Consumer Finance Co., Ltd. recognized for its AI-driven initiatives in the financial sector [1][3]. Group 1: Digital Finance Innovation - The forum focused on five key areas: technology finance, green finance, inclusive finance, pension finance, and digital finance, collecting innovative case studies from across society [3]. - Zhaolian's project, "Constructing an AI Intelligent Ecosystem to Lead Industry Digital Transformation," was selected as a notable case, showcasing its commitment to digital finance and its impact on the real economy [3][4]. Group 2: AI Applications and Consumer Protection - Zhaolian launched the industry's first open-source large model, "Zhaolian Zhilu," which has undergone two iterations, enhancing its ability to handle complex business scenarios [4]. - The "Zhaolian Zhilu Consumer Protection Intelligent System" has been developed to proactively address consumer issues, achieving a 90% first-time resolution rate for over 60 scenarios [4][5]. Group 3: Self-Service Innovations - Zhaolian has created a digital self-service system characterized by "confidence" and "self-healing" services, allowing real-time interaction with customers and dynamic adjustments to products and services [5]. - The "confidence" service has enabled over 15 million customers to complete self-service authentication and approval, while the "self-healing" service has supported over 200,000 customers with personalized repayment solutions [5]. Group 4: Social Responsibility and Traditional Industry Empowerment - Zhaolian is extending its technological innovations into the traditional Chinese medicine sector, developing the "Zhongsi" model to enhance diagnostic efficiency and support healthcare in underserved areas [6]. - The initiative aims to alleviate healthcare resource shortages in third- and fourth-tier cities, demonstrating Zhaolian's commitment to social responsibility and innovation in traditional industries [6].

Core Viewpoint - Shenzhen's financial industry plays a crucial role in the city's high-quality development and serves as a strategic pillar for the national financial reform, marking the 45th anniversary of the Shenzhen Special Economic Zone and the 5th anniversary of comprehensive reform pilot implementation [1] Group 1: Company Overview - Zhaolian Consumer Finance Co., Ltd. is the first consumer finance company in the Guangdong-Hong Kong-Macao Greater Bay Area, leveraging Shenzhen's favorable business environment and innovation atmosphere to explore digital economy opportunities [3] - The company was established in 2015 through a collaboration between China Unicom and China Merchants Bank, breaking the boundaries between financial institutions and the real economy [4] Group 2: Technological Innovation - Zhaolian has pioneered a fully online consumer finance model, achieving full-process automation and marking the beginning of the industry's digital transformation [4] - The company has developed core capabilities in IT-driven product innovation, internet risk control, digital operations, and intelligent services, transitioning from "digital" to "intelligent" [6] Group 3: Service Innovations - Zhaolian has introduced a "3H" service model to enhance customer experience, which includes tools for price negotiation, credit limit discussions, and repayment plans [5] - The company has implemented a self-service system that combines traditional risk control strategies with multi-dimensional self-verified credit, significantly improving accessibility and convenience in inclusive finance [5] Group 4: Research and Development - Zhaolian invests nearly 5% of its revenue in R&D, with over 60% of its workforce dedicated to research, collaborating with universities and research institutions to drive technological breakthroughs [6] - The company has established a postdoctoral innovation practice base and joint laboratories with institutions like the Chinese Academy of Sciences and universities, focusing on AI and big data [6] Group 5: Industry Leadership - Zhaolian has achieved rapid growth and is recognized as a leader in the consumer finance sector, serving as the chair unit for the second and third sessions of the Consumer Finance Professional Committee of the China Banking Association [7] - The company has developed a dual-driven innovation model, empowering the ecosystem through cross-industry collaboration and promoting transformation in peer financial institutions [10] Group 6: Consumer Protection - Zhaolian has established a comprehensive consumer protection system, utilizing advanced technologies to enhance service quality and customer satisfaction, achieving a 99.04% first response rate to complaints within 48 hours [11] - The company has created an intelligent consumer protection model that proactively addresses customer complaints and enhances service efficiency [11] Group 7: Future Directions - Zhaolian aims to contribute to national strategies by exploring new paths for the integration of finance and technology, aligning with the goal of building a strong technological nation [12]