本报（chinatimes.net.cn）记者张玫 北京报道 12月26日，由华夏时报社主办的2025（第五届）华夏公益论坛在京举行。腾讯公益慈善基金会执行秘书 长窦瑞刚在以《AI让善意生长更多可能》为题的主旨演讲中，分享了他对科技向善与人性向善之间的 深刻见解。 首先是构建国民级公益基础设施。腾讯公益平台作为连接器，十八年来联动超过140款公司产品，动员 超18亿人次网友，为13万多个公益项目募集善款逾369亿元。"久久公益日""一起捐"、小红花等公益产 品创新，让公益变得有趣、便捷、透明，融入日常生活。"公益地图"、小红花码打通线上线下，让用户 关注身边公益，参与社区公益，让社区需求看得见，易参与。与微信支付共创"捐一笔""摇一摇"等场 景，将微信支付的巨大流量转化为善意暖流。近年来，平台更发布系列AI公益应用与数字化工具，赋 能公益项目全流程，推动行业透明化与高效化发展。 其次是AI技术在社会关键领域的深度赋能与解决方案创新。窦瑞刚指出，面对AI可能带来的社会忧 虑，腾讯的答案是让其成为"大写的AI（技术）"与"小写的ai（爱）"融合的放大器。他引用集团高级副 总裁奚丹的观点："AI的力量不在于它多智能 ...

在第34个国际残疾人日到来之际，北京市残疾人联合会与京东集团开展了一系列形式创新、注重实效的 助残活动。从展示残疾人手工艺品的公益直播，到改善"一户多残"家庭居住环境的"亮居计划"，这些举 措不仅是对残疾人群体的暖心服务，更是京东将企业发展融入社会所需，助力残疾人平等、充分、便捷 地参与和融入社会生活的常态化实践。 从点状帮扶到体系化建设，推动中国残疾人事业高质量发展 这些暖心活动的背后，是京东多年来深耕助残事业的持续努力。近日获得"江苏省自强模范"称号的李 剑，就是这一事业的见证者与参与者。2013年，因小儿麻痹症导致腿脚不便的李剑通过残联推荐加入京 东，成为"阳光天使"客服团队的一员。十二年来，其所在的"阳光天使"团队从最初的六人扩展到数百 人，专用宿舍从十间增加到上百间。如今，李剑也从一名客服新人成长为带团队的主管，不仅买房买车 成为家庭顶梁柱，还帮助更多残疾伙伴融入社会。"公司特意为我们修了无障碍餐厅、康复区、心理咨 询室"李剑说，"作为第一批'阳光天使'，我非常幸运，也希望自己可以帮助、带动更多伙伴，将幸运传 递。" 在就业创业方面，京东通过"春晓计划"为10万余名残障人士提供便捷入驻、选品指导，运 ...

Core Insights - The financial industry is becoming a primary battlefield for AI technology applications, driven by the Chinese government's initiative to implement "AI+" across various sectors [1] - Consumer finance companies are leveraging AI to optimize service processes and enhance risk control capabilities while ensuring compliance [1] Group 1: AI Technology in Consumer Finance - AI technology is being explored by consumer finance institutions to address the mismatch in financial supply, particularly for underserved groups like young people and new blue-collar workers [1] - The emergence of large AI models has introduced new capabilities such as knowledge understanding, fragmented information learning, and knowledge reasoning, injecting new momentum into risk control technology [2] - Ant Consumer Finance has transitioned from automation to intelligent applications of AI in risk control, aiming to reduce information asymmetry through user-submitted data and real-time scenario data [2][3] Group 2: Advancements in Risk Control - The shift in credit risk management is moving from "rule-driven" to "data-driven," ultimately progressing to "cognitive-driven" approaches [3] - Companies like Zhaolian Consumer Finance and Zhongyuan Consumer Finance are developing open-source large models and integrated risk control systems to enhance financial scenario processing capabilities [3] - The AI intelligent risk control system of Zhongyou Consumer Finance has achieved a 98% automation approval rate, demonstrating efficiency and safety [3] Group 3: Human-Centric Financial Services - AI models are being utilized to create customized financial services that are more relatable and accessible, particularly in rural revitalization and support for vulnerable groups [4] - The "Fuhui Yang" smart farming project by Mashang Consumer Finance exemplifies how technology can assist farmers through digital management and AI marketing solutions [4][5] - The project has been implemented in 22 districts in Chongqing, creating over 1,600 jobs and facilitating loans of 1.6 million yuan for farmers, resulting in an increase in income of over 15 million yuan [5] Group 4: Enhancing Accessibility - Companies are exploring AI applications to provide more accessible financial services, such as optimizing voice interaction for elderly and rural users [5] - The "Xingdou" intelligent risk control system by Hayin Consumer Finance analyzes multidimensional information to expand the coverage of inclusive financial services while controlling risk exposure [5] - AI is not merely a cold technological tool but is being used to deliver financial services in a warmer, more human-centric manner, ensuring that inclusive finance reaches those in need [5]

Core Viewpoint - The emphasis on boosting consumption and enhancing investment efficiency is crucial for stabilizing the economy and fostering internal growth dynamics, as highlighted in the government's work report [1] Group 1: Consumption Finance Trends - Consumption finance is a vital financial tool for stimulating domestic demand and enhancing consumer flexibility through small credit activation [1] - The service models, product forms, customer acquisition channels, and risk control systems in consumption finance are continuously innovating, showing trends of online, intelligent, scenario-based, inclusive, and refined services [1] - Financial institutions are encouraged to develop financial products and services that align with new consumption characteristics, actively participating in promotional activities to benefit consumers [2] Group 2: Product and Service Innovation - Consumption finance companies are focusing on product innovation to meet segmented market demands, enhancing existing product systems to better match consumer needs [2] - Recent upgrades in product offerings include the rebranding of "家庭消费贷" to "兴家贷" and the introduction of targeted products like "兴创贷" and "优才贷" to cater to specific consumer groups [2] - New retail financial products such as "消费升级贷" and "绿色消费贷" have been launched to support the trend of consumption upgrades [2] Group 3: Technological Innovation - Technological innovation is key for consumption finance companies to enhance market competitiveness and service efficiency [4] - The number of technology patents held by consumption finance companies reached 1,242 by the end of 2024, supporting their digital transformation [4] - Companies are embedding technology throughout their business processes, utilizing AI and big data for precise risk control and intelligent decision-making [5] Group 4: Customer Experience Enhancement - The introduction of interactive features like "小红花" by Ant Group has led to a significant increase in credit limits for young consumers, with 68% of participants receiving real-time credit increases [5] - Companies are focusing on optimizing customer experience through app upgrades and improving service processes to enhance usability for all customer segments [5][6] - The digital transformation driven by technology not only aligns financial services with consumer needs but also reshapes industry operational logic for mutual benefits [6]

Core Viewpoint - Chongqing is leveraging its strong consumer finance foundation to drive the integration of artificial intelligence (AI) and financial services, aiming to establish itself as a Western financial center with a unique "finance + technology" development path [1][2][6]. Group 1: Financial Technology Growth - Financial technology companies in Chongqing have experienced explosive growth, with annual revenue surpassing 50 billion yuan and an average annual growth rate of over 18% since the start of the 14th Five-Year Plan [2][4]. - The city has linked 132 financial institutions, 309 high-tech companies, and 140 big data companies, fostering collaboration and innovation in the financial technology sector [2][3]. Group 2: Consumer Finance Landscape - Chongqing has developed a multi-layered consumer finance system, including over 80 entities such as banks, consumer finance companies, and online lending institutions, positioning itself as a new hub for consumer finance [4][5]. - Notably, three consumer finance companies in Chongqing hold the top two positions in registered capital and institution numbers nationwide, collectively accounting for 29.1% of the national loan scale [4]. Group 3: AI Integration in Financial Services - The Chongqing Financial Regulatory Bureau has released a list of AI innovation application scenarios, highlighting the demand for big data and AI technologies driven by the management of nearly 5 trillion yuan in consumer loans annually [3][6]. - Companies like Ant Group are innovating in AI-driven risk management, with features like the "Little Red Flower" credit limit interaction, which allows users to leverage their qualifications for credit assessments [5]. Group 4: Collaborative Initiatives - During a recent event, nearly 100 financial institutions, academic organizations, and AI tech companies signed cooperation agreements, with a total contract value exceeding 30 billion yuan, covering various aspects such as financial services, technology innovation, and talent development [6]. - The ongoing exploration of the "finance + technology" model is expected to enhance Chongqing's financial support for technological innovation and accelerate the digital transformation of financial services [6].

Core Viewpoint - Ant Consumer Finance aims to leverage interactive intelligent risk control technology to identify and support the growth potential of young individuals, aligning with the theme of the 2025 China International Financial Expo, which emphasizes "open innovation, technology empowerment, and co-creating a new financial future" [1] Group 1: Challenges in Inclusive Finance - Despite rapid growth in the consumer finance market, there remains a mismatch in financial supply, with consumer needs evolving from "availability" to "adequacy" and "quality" [2] - The group of young professionals under 30, exceeding 100 million in size, faces significant challenges in accessing inclusive consumer finance services compared to those over 30 due to lower income stability [2] - The traditional risk control methods struggle to accurately assess the capabilities of younger individuals, who may possess unique skills that are not easily quantifiable through conventional means [2][3] Group 2: Innovations in Risk Control - Ant Consumer Finance has introduced a new interactive feature called "Little Red Flower," allowing users to submit over 1,000 types of proof materials to apply for credit limit increases [4] - The intelligent interactive risk control system utilizes advanced multi-modal recognition and verification, achieving a 97% accuracy rate in identifying various credential types and a 92% accuracy rate in detecting fraudulent attempts [4][5] - The real-time credit decision-making process combines static and dynamic user profiles to provide expert-level understanding and precise credit assessments [5] Group 3: Impact on Financial Health - During the trial phase, 68% of young users who submitted skill certificates received real-time credit limit increases, with an average increase of 1,100 yuan, and these users exhibited a delinquency rate less than half of the overall market [6] - The interactive credit limit feature is seen as a means to enhance both user and institutional financial health, with plans to explore behavior-based criteria for future credit limit increases [6] - Ant Consumer Finance is committed to promoting financial health by enabling users to manage their financial behaviors through advanced technology applications [7]