中经记者 李晖 北京报道 创新对台金融服务是中国（福建）自由贸易试验区（以下简称"福建自贸区"）金融改革的重要领域。 2025年正值福建自贸区挂牌成立十周年，通过数字技术创新对台金融服务也正在加速。 《中国经营报》记者了解到，近期，福建自贸区福州片区（以下简称"福州自贸片区"）针对在当地台湾 青年推出"台青创业贷"，首期产品已完成三家台企的评估与授信准备，单家最高授信额为50万元。 "台青创业贷"是福州自贸片区支持台青创业发展"实自贸"九大举措的关键落地项目，旨在通过金融科技 赋能，优化台青台企在榕创业就业营商环境，为台青台企在闽发展注入发展新动能。 据透露，推出"台青创业贷"之外，奇富科技已同步启动"创业赋能双轨计划"：一方面在企业内部设 立"台青实训基地"，聚焦AI风控、数字金融领域提供从理论到实战的技术培训；另一方面推动建立"闽 台金融科技创新联盟"，联合在闽台资银行、台商协会搭建合作平台，助力台青创业者链接产业链资 源，加速创新成果转化。 （编辑：李晖 审核：何莎莎 校对：颜京宁） 奇富科技首席风险官郑彦透露，通过调研走访发现台青创业融资的个性化需求和特点后，依托自主研发 的"小微企业信用评估智能体" ...

转自：新华财经 郑彦认为，信贷智能体的核心创新还在于其底层算法的根本性变革。他透露，奇富科技团队在模型优化方面采用了独特的"思维链"数据训练方法。不同于 传统模型只学习非黑即白的违约标签"0"和"1"，信贷智能体还学习并理解业务、风险策略团队的复杂决策逻辑，从而显著提升KS值（好坏样本之间累计 分布的差值）等风控模型指标，实现风险评估精准度的显著提升。 产品落地："台青创业贷"打造特色化服务样本 新华财经北京9月25日电（记者吴丛司）当前金融科技行业发展日益聚焦技术底层能力，奇富科技2025年第二季度财务业绩显示，今年二季度，奇富科技 旗下的数字信贷解决方案服务商奇富数科实现金融科技赋能的放款量同比增长150%，这背后离不开信贷智能体"效率提升"的支撑。 奇富科技高级副总裁、首席风险官郑彦近日在接受记者专访时表示，公司自主研发的信贷智能体已进入内部深度应用阶段，该智能体不仅能有效整合税 务、发票等传统数据，更创新性地引入视频分析等多模态技术，构建起"数据采集-信用建模-资金投放"的全链条技术底座。 技术破局：信贷智能体攻克小微风控盲区 "我们正在做的，是将原来的能力全部整合在信贷智能体中，为未来输出做准备。" ...

Core Viewpoint - The initiative "Smart Integration Across the Straits, Creating a Future" aims to empower Taiwanese youth entrepreneurship through financial technology, enhancing the business environment for Taiwanese enterprises in Fuzhou, and injecting new momentum into their development [1] Group 1: Initiative Launch - The launch ceremony of the initiative took place in the Fuzhou Free Trade Zone, marking a new phase of financial integration between Fujian and Taiwan, focusing on technology empowerment and ecological co-construction [1] - The first phase of the "Taiwan Youth Entrepreneurship Loan" has completed assessments and credit preparations for three Taiwanese enterprises, with the maximum credit amount reaching 500,000 yuan [3] Group 2: Free Trade Zone Overview - The Fuzhou Free Trade Zone was established in April 2015, covering an area of 31.26 square kilometers, with a focus on advanced manufacturing, international cooperation, and financial innovation [4] - Since its establishment, the zone has seen a significant increase in enterprises, with a total of 51,200 new companies, seven times the number before its establishment [4] Group 3: Innovation and Business Environment - The zone has introduced 300 institutional innovation measures, with 114 being nationally first, and has promoted new business models such as second-hand car exports and the China-Europe freight train [4] - The business environment has been optimized with measures like "three certificates in one," allowing for rapid company registration, and achieving over 99% paperless customs clearance [5] Group 4: Economic and Trade Development - The zone is focusing on 12 innovative development platforms, with 274 IoT companies and a projected digital economy output of 52.7 billion yuan by 2024 [5] - Cross-border e-commerce exports are expected to reach 98.15 billion yuan in 2024, with significant growth in automotive imports and exports [5] Group 5: Financial Services and Support - The "Taiwan Youth Entrepreneurship Loan" product integrates traditional business data with local industry park data to create a precise credit profile for Taiwanese enterprises [6] - The initiative includes a dual-track plan for entrepreneurship empowerment, establishing training bases and a financial technology innovation alliance to support Taiwanese entrepreneurs [6]

Group 1 - The event "Intelligent Integration Across the Straits: Creating a Future" marks the launch of the "Taiwan Youth Entrepreneurship Loan" initiative in Fuzhou Free Trade Zone, aimed at supporting Taiwanese youth entrepreneurship [1][3] - The initiative is part of nine key measures to support Taiwanese youth entrepreneurship in the Fuzhou Free Trade Zone, focusing on enhancing the business environment through financial technology [3][5] - A strategic cooperation agreement was signed between the Fuzhou Free Trade Zone Management Committee and Qifu Technology to develop a credit evaluation system, innovative financial services, and a healthy supply chain ecosystem [3][5] Group 2 - Qifu Technology's Chief Risk Officer highlighted the launch of the "Taiwan Youth Entrepreneurship Loan," which integrates traditional business data with unique local financial credit certificates to create accurate credit profiles for Taiwanese enterprises [5][6] - The first phase of the "Taiwan Youth Entrepreneurship Loan" has completed assessments for three Taiwanese enterprises, with the highest credit limit set at 500,000 yuan [6] - Qifu Technology initiated a "Dual-Track Entrepreneurship Empowerment Plan," which includes establishing training bases for Taiwanese youth and forming a financial technology innovation alliance to connect resources and accelerate innovation [8] Group 3 - The launch of the "Taiwan Youth Entrepreneurship Loan" signifies a new phase in cross-strait financial integration, emphasizing technology empowerment and ecosystem co-construction [8] - The initiative aims to create a new model of financial support for Taiwanese enterprises, promoting the concept of "doing foreign trade, finding free trade" among Taiwanese businesses [8]

2025年9月22日上午，"智融两岸・创享未来"——福州自贸片区×奇富科技助力台青创业行动启动仪式在 福州自贸片区举行。福州市人民政府党组成员、自贸区福州片区管委会党组书记、主任张新怿，自贸区 福州片区管委会党组成员、副主任马冬根，自贸区福州片区管委会党组成员、副主任林友华，奇富科技 首席风险官郑彦等出席仪式，首批"台青创业贷"签约企业及优秀台青代表，新闻媒体共同见证了这一闽 台金融融合创新时刻。 "福建作为台胞台企登陆第一家园，各项促进两岸融合的政策措施越来越完善，让我们深切感受到了"两 岸一家亲"。如今'台青创业贷'让我们感受到数字金融的温度。"首批获贷企业代表在发言中表示，感谢 福州自贸片区对台优势政策与奇富科技的创新支持，未来将把资金投入技术研发与产能扩张，为闽台产 业融合贡献力量。 此次启动仪式的举办，标志着闽台金融融合进入"科技赋能、生态共建"的新阶段。奇富科技相关负责人 表示，将以此次合作为起点，持续发挥金融科技优势，在自贸区福州片区管委会的支持下，为台青台企 在闽发展搭建更便捷、可持续的支撑体系，助力两岸产业融合迈向更深层次、更高水平，使"做外贸， 找自贸"成为台青台企的广泛共识 。 责任编辑 ...

Group 1 - The event "Intelligent Integration Across the Straits: Creating a Future" marks the launch of a project aimed at supporting Taiwanese youth entrepreneurship in the Fuzhou Free Trade Zone [1] - The initiative is part of nine key measures to support Taiwanese youth entrepreneurship, focusing on financial technology to enhance the integration of advantageous industries between Fujian and Taiwan [3] - A strategic cooperation agreement was signed between the Fuzhou Free Trade Zone Management Committee and Qifu Technology, aiming to develop a credit assessment system, innovative financial services, and a healthy supply chain ecosystem [3] Group 2 - Qifu Technology's Chief Risk Officer highlighted the importance of technology in facilitating financial integration between Fujian and Taiwan, addressing the unique financing needs of Taiwanese entrepreneurs [5] - The "Taiwan Youth Entrepreneurship Loan" product was launched, which integrates traditional business data with local credit certificates and collaborative data from Fujian's industrial parks to create accurate credit profiles for Taiwanese enterprises [6] - The first phase of the loan program has completed assessments for three Taiwanese enterprises, with the maximum credit limit set at 500,000 yuan for individual companies [6] Group 3 - In addition to financial services, Qifu Technology initiated a "Dual-Track Entrepreneurship Empowerment Program," which includes establishing training bases for Taiwanese youth and forming a financial technology innovation alliance to connect resources [8] - The event signifies a new phase in financial integration between Fujian and Taiwan, emphasizing technology empowerment and ecosystem co-construction [8] - The collaboration aims to create a more convenient and sustainable support system for Taiwanese enterprises in Fujian, promoting deeper and higher-level industrial integration [8]