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AI上山下乡,网商银行探了条新路
3 6 Ke· 2025-09-29 08:12
AI上山下乡在提速。 9月23日,第8个农民丰收节,网商银行推出丰收卡。上线首周,丰收卡用户破100万。和农业农村部信 息中心联合共建首个面向农户的专属智能体——AI农事助手。 它相当于装在农民手机里的,一个24小时在线的"农技专家+气象专家+金融专家"。 10年前,互联网方兴未艾,网商银行成立,用310服务——有支付宝就能用,3分钟申请,最快1分钟放 款,0人工干预,改变了中小微企业和个体工商户的信贷服务方式。 10年后,网商银行提出了AI时代的新310——360度的用户认知,1对1的专家级服务,0延时的实时交 互。在刚刚过去的外滩大会上,它公开了AI在信贷、理财与营销方面的探索。 外滩大会仅过去10天之后,这家银行推出了AI农事助手。"AI银行不是要不要做,而是必须加快速度 做。" 关于AI农事助手解决什么问题?和deepseek、豆包等通用模型相比有什么有什么区别和优势?以及对AI 下乡的思考,我们和网商银行丰收卡的负责人宋晓聊了聊。 宋晓,北大毕业。小时候在农村长大,摘过烟叶子,割过小麦。很长时间,他的职业标签都是产品经 理。接手丰收卡,让他"有种重新靠近故乡的亲切感"。他认为,AI应该创造增量价值, ...
蚂蚁集团金晓龙:AI应用将提升金融服务实体经济的质效
Zhong Guo Jing Ji Wang· 2025-06-20 07:22
Core Insights - The application of AI in financial services is expected to significantly enhance the quality and efficiency of services provided to the real economy [1][7] - Ant Group is actively exploring the use of AI large models to innovate and improve financial services [5][6] Group 1: Transition to AI Era - The financial industry is transitioning from a manual paper-based era to an electronic era, then to a big data era, and is now moving towards an AI era [3] - AI large models, which can process vast amounts of unstructured data and possess cognitive abilities, are anticipated to drive substantial innovations in financial services [3][6] Group 2: Ant Group's Technological Advancements - Ant Group has leveraged the rapid digitalization of society during the big data era to lower financial service barriers and enhance coverage [4] - The "Huabei" credit payment tool has served over 400 million users, with 127 million being new citizens, and 45% of users from central and western regions [4] - Ant Group's "Wangshang Bank" focuses on providing services to small and micro enterprises, with over 80% of new users being first-time borrowers in the past five years [4] Group 3: AI Applications in Financial Services - In consumer finance, "Huabei" has introduced the "Little Red Flower" interactive credit limit feature, utilizing an intelligent real-time risk control system that verifies documents in 10 seconds with 96% accuracy [6] - "Wangshang Bank" has developed the "Dayan" digital financial supply chain system, identifying over 21 million upstream and downstream enterprises, providing over 300 million yuan in credit support to over 200 enterprises in the Hangzhou innovation sector [6] - The "Cuckoo" intelligent inclusive wealth management system has achieved over 95% accuracy in predicting cash flow for small businesses, enhancing fund utilization and investment returns [6]
2024年网商银行ESG报告:大处着眼,小处着手
Jin Rong Shi Bao· 2025-05-15 03:44
Core Viewpoint - The article highlights the significant advancements made by Wangshang Bank in the realm of Environmental, Social, and Governance (ESG) practices, particularly focusing on small and micro enterprises, rural finance, and green finance initiatives, showcasing the bank's commitment to social responsibility and sustainable development [1][4][6]. Group 1: Small and Micro Enterprise Services - Wangshang Bank has served 68.51 million small and micro business operators by addressing their financial pain points through comprehensive financial services [11]. - The bank has integrated AI technology into its "Dayan" supply chain finance system, enhancing the efficiency of credit profiling for small businesses by tenfold [14]. - Over 200 small and micro enterprises in the "Hangzhou Six Little Dragons" supply chain have received more than 300 million yuan in loans, demonstrating the bank's focus on innovative small enterprises [15] [2]. Group 2: Green Finance Initiatives - Wangshang Bank has led the development of the "Green Micro Enterprise Evaluation Index" in collaboration with 21 other banks, aiming to establish standards for green finance [5]. - In 2024, the bank provided green ratings to 10.01 million small business operators, with 2.03 million receiving green finance benefits [19]. - The bank's efforts in green finance have expanded the scope of ESG, improving access to financial resources for green micro enterprises [5][4]. Group 3: Rural Finance Development - The bank's "Dashanque" satellite remote sensing risk control system has expanded its crop identification capabilities to 16 categories, supporting 1.81 million farmers across 31 provinces [18][7]. - Wangshang Bank has provided 199 billion yuan in credit support to farmers, with 80% of the beneficiaries managing less than 10 acres of land, addressing the financial needs of previously underserved rural areas [7][8]. - The bank has also offered interest-free loans to nearly 3,000 rural leaders, promoting economic development in their communities [8].
网商银行发布2024年ESG报告:累计服务6851万户小微 综合金融服务体系全面升级
Zhong Guo Jing Ji Wang· 2025-05-15 02:36
Core Viewpoint - The 2024 ESG report from the company highlights its commitment to serving small and micro enterprises and rural farmers through innovative financial solutions, emphasizing the importance of inclusivity and sustainability in its operations [1]. Group 1: Comprehensive Financial Services - The company has served a total of 68.51 million small and micro business clients, with its asset management scale exceeding 1 trillion yuan [2][9]. - Over 80% of new loan clients in the past five years were first-time borrowers receiving operational loans from the company [9]. Group 2: Technological Innovation - The application of AI in the "Dayan" system has improved the efficiency of small business credit profiling by ten times, identifying over 21 million small business users across nine industry chains [3][12]. - The system has successfully provided over 300 million yuan in credit support to more than 200 small businesses in the "Hangzhou Six Little Dragons" initiative [3][13]. Group 3: Rural Financial Services - The "Dashanque" satellite remote sensing risk control system has expanded its crop identification capabilities to 16 categories, providing credit support to 1.81 million farmers across 31 provinces [4][15]. - The company has issued interest-free loans to nearly 3,000 rural leaders and provided 47.5 billion yuan in credit support to 420,000 small and micro clients in the Zhejiang province [4]. Group 4: Green Finance - The company has led the establishment of green small enterprise evaluation standards in collaboration with 21 banks, offering preferential green loans to businesses with strong green ratings [5][16]. - A total of 1.001 million small businesses have received free green ratings, with 203,000 benefiting from green financial incentives [5][17]. Group 5: Social Welfare Initiatives - The "Public Welfare Small Shop Alliance" has expanded to 1,600 shops, benefiting over 13 million individuals from disadvantaged backgrounds through donations exceeding 12 million yuan [6][17]. - The "1 Square Meter Bookshelf" project has been implemented in 100 street-side shops, providing free reading resources to local residents [6].