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]

作为一家科技基因浓厚的金融机构，2024年网商银行将AI认知能力融入"大雁"供应链金融系统，构建产业图谱，刻画千行百业的真实经营情况，实现2100 万小微商家在产业链中位置的精准挂载。以最具创新精神的科创型小微企业为例，通过AI认知挖掘，网商银行识别出"杭州六小龙"上下游的小微企业200 多家，已累计发放贷款3亿多元。 3亿元在庞大的金融市场只是一件"小事"，但是其意义不可低估。 "环境、社会和公司治理（ESG）"已经成为中国企业界的价值共识。5月15日，网商银行发布2024年ESG报告，截至2024年末，网商银行综合金融已累计 服务6851万户小微经营者。 作为中国金融体系的补充者和探索者，以及一家专注于服务小微经营者及"三农"群体的银行，网商银行过去一年在AI技术重构小微服务模式、推动绿色金 融行业标准、拓展农村金融覆盖面等领域不断突破，这种"大处着眼、小处着手"的实践，成为观察中国企业界ESG的一个样本。 用科技做好"小"事 AI重构小微金融服务 过去一年AI技术的强劲发展，为金融科技的迭代提供了有力的支持，在小微、普惠领域更是大有用武之地。科技成为解决金融资源分配不均衡的关键路 径。 数据显示，无论是 ...

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].