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 - The "14th Five-Year Plan" period marks a critical phase for the consumption finance industry in China, transitioning from "scale expansion" to "quality and quantity improvement," with 招联消费金融股份有限公司 (Zhaolian) emerging as a benchmark for high-quality development through digital innovation and social responsibility [1] Group 1: Digital Transformation and Innovation - Zhaolian has established itself as a pioneer in the digital transformation of the consumption finance sector, being the first to explore a fully online consumption finance model, significantly reducing operational costs and expanding access to credit services for underserved populations [2] - The company has developed a comprehensive consumption finance system based on cloud technology, achieving a "go IOE" status, which has set a standard for digital transformation in the industry [2] - In response to the AI revolution, Zhaolian launched the industry’s first open-source large model, "Zhaolian Zhilu," with 130 billion parameters, followed by iterations that enhanced its reliability in financial applications [3] Group 2: Consumer Protection and Satisfaction - Zhaolian has integrated its AI model with consumer rights protection, creating the first intelligent consumer protection system in the industry, which has led to a customer satisfaction rate of 98% and a complaint handling timely rate exceeding 99% [3] - The company’s innovative self-service system empowers consumers, allowing them to take the lead in financial services, enhancing user experience and engagement [5][6] Group 3: Social Responsibility and Community Engagement - Zhaolian actively participates in social responsibility initiatives, focusing on traditional industry empowerment, green development, and rural revitalization, thereby aligning its business growth with societal value creation [8] - The company has developed an intelligent traditional Chinese medicine diagnosis model to assist grassroots healthcare, addressing resource shortages and improving healthcare quality [8] - Zhaolian has launched the "Green Yuan" platform for smart waste management, promoting environmental sustainability and efficiency in waste collection [9] Group 4: Targeting New Citizen Demographics - Zhaolian has tailored its services to meet the financial needs of new citizens, providing targeted financial products and establishing a dedicated service area in its app to enhance accessibility and support for this demographic [6][7] - The company has implemented initiatives such as the "New Citizen Dream Action" to facilitate consumer convenience and security for new residents [6] Group 5: Future Outlook - As it moves into the "15th Five-Year Plan," Zhaolian aims to deepen digital innovation, expand inclusive services, and fulfill its social responsibilities, contributing to the construction of a financially strong nation and promoting common prosperity [10]

Core Viewpoint - The "Topological Award" in China's financial industry was awarded to Zhaolian Consumer Finance Co., Ltd. for the third consecutive year, highlighting its excellence in technology empowerment and inclusive finance practices [1][4]. Group 1: Event Overview - The "2025 Shanghai Global Finance and Asset Management Annual Conference" was held in Lujiazui, where the results of the third "Topological Award" were announced [1]. - The event aimed to discover the most representative outstanding companies, innovative achievements, and practical cases in the Chinese financial industry over the past year [3]. Group 2: Company Achievements - Zhaolian has been recognized for its professional operations, technological innovation, and contributions to public welfare, establishing itself as an industry benchmark [1]. - The company was founded in 2015 and is the first consumer finance company in the Guangdong-Hong Kong-Macao Greater Bay Area, focusing on providing inclusive, efficient, safe, and convenient financial services [4]. Group 3: Technological Innovations - Zhaolian has developed the "Zhaolian Zhilu" open-source large model, which has been recognized for its technical level and innovation in the general knowledge field [4]. - The company has launched two upgraded versions of the model, "Zhaolian Zhilu 2nd Generation," enhancing its application in the financial vertical sector [4]. Group 4: Consumer Protection Initiatives - Zhaolian has created a consumer protection intelligent system based on the "Zhaolian Zhilu" model, implementing a three-tiered preventive approach to address customer complaints [5]. - The company has successfully assisted over 420,000 individuals through its "self-service" system, which includes AI-driven services that help customers complete self-authentication and approval processes [6]. Group 5: Industry Impact - The "Topological Award" serves as a reflection of the Chinese financial system's active response to national strategies and its commitment to serving the real economy [6]. - Zhaolian aims to continue strengthening its technological innovations in artificial intelligence and big data, contributing to the financial empowerment of the economy [6].

Core Insights - The financial industry is becoming a primary battlefield for AI technology applications, driven by the need for improved service processes and risk control capabilities [1][2] - The Chinese government's recent policy emphasizes the integration of AI across various sectors, including finance, to enhance service delivery and compliance [1] - AI models are transforming credit risk management from rule-based to data-driven and eventually to cognitive-driven approaches, enhancing user profiling and risk assessment [2][3] AI Technology in Financial Services - AI technology is being utilized by consumer finance companies to address the mismatch in financial supply, particularly for underserved groups like young professionals and new blue-collar workers [1] - Ant Group's consumer finance division is exploring AI risk control applications, achieving significant advancements in user data integration and risk assessment strategies [2] - Companies like Zhaolian Consumer Finance and Zhongyuan Consumer Finance are developing proprietary AI models to improve financial scenario handling and risk management efficiency [3] Enhancing Financial Inclusion - AI models are not only about technical efficiency but also about providing warmth in financial services, particularly in rural and underserved areas [4] - The "Fuhui Yang" smart farming project by Mashang Consumer Finance exemplifies how AI can support agricultural development and enhance financial services for farmers [4][5] - The project has positively impacted employment and income for local farmers, demonstrating the potential of AI to drive economic growth in rural communities [5] User-Centric Innovations - Companies are leveraging AI to create more user-friendly financial services, such as optimizing voice interaction for elderly and rural users [5] - The development of intelligent customer service systems aims to lower barriers for service access, ensuring that financial services are more inclusive [5] - AI is being positioned as a tool to deliver personalized financial solutions, enhancing the overall user experience and accessibility of financial services [5]

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]

今年是深圳经济特区建立45周年、综合改革试点实施5周年，也是进一步全面深化改革的重要一年。45 年来，从"先行先试"走向"先行示范"，深圳金融业承担着为国家金融改革探路的历史使命，始终以高质 量发展为引领，是这座城市不可或缺的战略支柱。 作为粤港澳大湾区首家消费金融公司，招联消费金融股份有限公司（简称"招联"）紧密依托深圳良好的 营商环境和创新氛围，于前海扎根探路，与深圳同频共振，在数字经济的浪潮中勇立潮头。秉持"以科 技践行普惠，让信用不负期待"发展理念，招联深度探索大数据、云计算、人工智能等创新技术，不仅 重塑行业服务范式、推动普惠金融提质扩面，更在国家战略实施与新质生产力培育的实践中彰显担当， 开辟了一条以自主创新为驱动、以数智应用为方向的高质量发展之路。 在科技创新成为国家战略核心的当下，新质生产力已成为推动产业升级和经济转型的关键力量。作为科 技领域的前沿探索者，招联在大模型技术层面不断突破创新，取得显著成果。 2023年11月，招联发布消费金融行业首个130亿参数开源大模型"招联智鹿"，与百度、阿里、清华大学 等机构自研的大模型同期入榜国内权威榜单C-Eval和CMMLU。后经两次迭代，招联陆续推 ...

Group 1: Digital Transformation in Consumer Finance - The implementation of the "High-Quality Development Implementation Plan for Inclusive Finance" aims to establish a comprehensive inclusive financial system within five years, promoting common prosperity [1] - Financial institutions are focusing on technology finance, green finance, and digital finance to enhance service quality and support economic development [1] - Companies like Ma Shang Consumer Finance have built a research team of over 3,200 people, representing more than 70% of their workforce, and developed over 1,000 core technology systems [2][3] Group 2: AI and Technology Integration - Haier Consumer Finance has invested 2 billion yuan in technology research and development, with over 70% of its workforce dedicated to technology [3] - The introduction of AI-driven models, such as "Zhaolian Zhilu," enhances financial service efficiency and user experience [2] - Companies are transitioning from labor-intensive to intelligence-intensive models, fundamentally changing the logic of financial services [3] Group 3: Risk Management and Innovation - Centralized risk management models combining data, algorithms, and strategies are being established to enhance risk identification and fraud prevention [5] - Companies are actively applying for patents and developing software to support their technological innovations, with a total of 146 patents filed by one company [4] - The focus on digital transformation is aimed at optimizing business processes and improving service experiences in a competitive market [5] Group 4: Inclusive Finance and Consumer Services - Licensed consumer finance institutions are designing differentiated products to lower service thresholds and enhance accessibility [6] - Companies like Zhongyuan Consumer Finance have served over 3 million new citizens, providing loans exceeding 4.7 billion yuan [6] - Ma Shang Consumer Finance targets new citizens and students, offering flexible small retail financial products and achieving over 2 billion users by the end of 2024 [7] Group 5: Green and Elderly Finance - Consumer finance institutions are integrating green finance initiatives to support sustainable development and promote green consumption [8] - Innovations in elderly finance include identity verification systems and financial literacy programs to protect older adults from fraud [9] - Companies are leveraging technology to enhance financial services for rural populations, improving access to credit [10]

Group 1: Service Consumption Growth - Service consumption is a crucial area for future consumption growth, with significant development potential and space [1] - In Q1 2025, per capita service consumption expenditure increased by 5.4% year-on-year, accounting for 43.4% of total per capita consumption expenditure, up 0.1 percentage points from the previous year [1] - Long-term trends indicate that service consumption will evolve towards intelligence, personalization, and sustainability, enhancing domestic demand and improving economic structure [1] Group 2: County-Level Market Opportunities - Service consumption is accelerating its penetration into county-level markets, presenting new opportunities [2] - In 2024, rural retail sales reached 66,729 billion, growing by 4.3%, with rural market sales growth consistently outpacing urban areas [2] - The proportion of county and rural retail sales in total social retail sales reached 38.8%, an increase of 0.4 percentage points from the previous year [2] Group 3: Urban Service Consumption Demand - Urban areas also show significant potential for service consumption, with education (30.5%), healthcare (29.9%), tourism (25.2%), and social culture and entertainment (23.7%) being the top areas for increased spending [3] - The demand for productive services is expected to grow, driven by innovation and the need for improved logistics services [3] Group 4: Consumer Finance Innovations - Consumer finance companies are expanding their services through collaboration with various sectors, creating diverse consumption scenarios [4] - Companies are leveraging digital technology to enhance service efficiency and user experience, which is essential for meeting diverse consumer needs [4] - New models like "Tianjing" and "Zhaolian Zhilu" are being developed to optimize service delivery and improve user experience [5] Group 5: Policy and Environment for Service Consumption - Supporting service consumption is vital for unleashing domestic demand and promoting high-quality economic development [6] - Continuous optimization of the consumption environment and strengthening digital technology empowerment are necessary to stimulate consumption vitality [6]

Group 1: China Huadian's Green Development - China Huadian has rapidly restored power in Cambodia within 120 minutes during a local grid failure, showcasing its efficient energy supply capabilities [1] - The company has expanded its installed capacity by 144% since the end of the 13th Five-Year Plan, with a total installed capacity exceeding 240 million kilowatts, of which 56.2% is from clean energy [1] - China Huadian has been ranked first in the "Top 50 Chinese Enterprises for Carbon Neutral Contribution" for three consecutive years [1][2] Group 2: China Bank's Cross-Border Financial Services - China Bank has launched the "One Point Access Global Response" mechanism to enhance cross-border financial services for enterprises [3] - The bank has facilitated over 3,000 cross-border service requests, providing comprehensive financial support for companies looking to expand internationally [3][4] - In 2024, the platform has seen nearly 200 new "new quality productivity going abroad" requests, involving credit support of approximately 13.2 billion yuan [3] Group 3: Yili Group's Global Innovation and Market System - Yili Group has established a global network of over 2,000 partners and 15 R&D innovation centers, with products sold in over 60 countries [7] - The company has achieved a significant breakthrough in technology, increasing the retention rate of lactoferrin in milk from 10% to over 90% [7] - Yili aims to create five "zero-carbon factories" and six "zero-carbon products" by the end of 2024, contributing to global green development [7] Group 4: China Ping An's Customer-Centric Services - China Ping An has introduced the "Tian Ping An" insurance and service solution, integrating insurance protection with comprehensive health management [9] - The company has provided 82 convenient services for car insurance, benefiting 236 million car owners [9] - In 2024, Ping An plans to invest 10.14 trillion yuan to support major national projects in energy, transportation, and water conservancy [10] Group 5: Haier Group's AI-Driven Innovation - Haier Group is leveraging AI technology to enhance smart home appliances, enabling them to recognize and respond to user needs [12] - The company is promoting a comprehensive embrace of AI across all levels and processes, focusing on smart living, health, and industrial internet [13] - Haier's CEO emphasizes the importance of consumer ideas in driving innovation, positioning the company as a leader in AI integration [12][13] Group 6: Xifeng Distillery's Quality Control and Brand Development - Xifeng Distillery has achieved a brand value exceeding 333.68 billion yuan by implementing a comprehensive quality control system [14] - The company is integrating digital technology into its production processes to enhance product quality and brand recognition [14] - Xifeng is exploring new models of cultural tourism and brand promotion, aiming to expand its global presence [14][15] Group 7: Zhaolian Consumer Finance's Digital Transformation - Zhaolian Consumer Finance has established a digital consumer finance system based on cloud technology, achieving balanced growth in quality, efficiency, and scale [16][17] - The company has issued loans totaling 2.8 trillion yuan and served 160 million customers, emphasizing its commitment to inclusive finance [17] - Zhaolian is focused on consumer rights protection and has developed intelligent systems to enhance service efficiency and reduce complaints [17]