招联智鹿

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数智赋能金融服务提质增效 招联连续三年获财联社消费金融公司“拓扑奖”
Xin Lang Cai Jing· 2025-09-28 13:58
站在新的历史起点,中国金融业正以更加开放的姿态、更富创新的精神,稳步走向结构更优、效能更 高、韧性更强的发展之路。招联成立于2015年,是深圳唯一、粤港澳大湾区首家消费金融公司,自成立 以来,招联始终秉持着"以科技践行普惠,让信用不负期待"的发展理念,持续加强科技创新,构建核心 能力,探索消费金融发展新模式,为广大消费者提供普惠、高效、安全、便捷的消费金融服务。 招联以数据为驱动,金融科技为核心,不仅创新了金融服务模式,更前瞻布局大模型领域,推动人工智 能技术与金融业务场景深度融合。2023年,招联凭借深厚的研发实力率先推出行业首个开源大模型"招 联智鹿",在通用知识领域的技术水平和创新实力获多个权威榜单认可。后经两次迭代,招联再次推出 8B、70B两个参数版本的大模型"招联智鹿二代",实现大模型在金融垂直领域的应用由"可用"到"可 靠"时代跃迁。 以数智化消保为例,基于"招联智鹿"大模型成果,招联率先探索大模型在消保全流程的深度应用,创新 打造了招联智鹿大模型消保智能体,汲取中医"治未病"理念,建立起"未病先防、欲病早治、已病综 治"的三层递进式消保防线,以针对性、立体化的解决方案,努力从源头闭环解决客户投 ...
从“智慧驱动”到“温度可感” AI大模型赋能消费金融
Jin Rong Shi Bao· 2025-09-16 02:10
当前,人工智能(AI)技术正加速从技术探索迈向产业落地,金融行业作为数据密集、场景丰富的领 域,已成为AI技术应用的"主战场"。 国务院8月26日发布的《关于深入实施"人工智能+"行动的意见》提出,"以科技、产业、消费、民生、 治理、全球合作等领域为重点,深入实施'人工智能+'行动"。 在此背景下,消费金融公司如何以合规为前提,运用AI技术优化服务流程、提升风控能力,最终实现 科技向善? 在业内人士看来,AI大模型的出现,带来了三个全新能力:知识理解、碎片信息学习和知识推理,这 为风控科技注入了全新动能。 让服务更具"智慧" 过去10年间,我国消费金融虽经历了充分发展,但金融供给的错配问题依然存在,比如,对于初入社会 的年轻人、新蓝领等群体,普惠金融供给仍存在不足。 近年来,部分消费金融机构重点探索应用AI技术,包括智能风控技术、数字交互技术等,为用户创造 更好的服务体验。 "大模型实现了传统风控难以达成的突破,首先,它能自主挖掘更多特征,捕捉以往忽略的视角,大幅 丰富用户画像维度;其次,可高效学习碎片化信息,显著提升碎片化客群的模型性能;再次,能学习人 工审核专员的审批逻辑,进而制定'一人一策'的风控策略。 ...
从“智慧驱动”到“温度可感”
Jin Rong Shi Bao· 2025-09-16 01:48
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]
与深圳特区同频共振 招联以科技创新重塑行业生态
2 1 Shi Ji Jing Ji Bao Dao· 2025-08-25 16:12
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 ...
数字化转型进行时:消费金融机构如何用AI重构普惠金融服务?
Jing Ji Guan Cha Bao· 2025-07-17 08:29
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]
政策助力 服务消费量质齐升
Jin Rong Shi Bao· 2025-06-11 01:44
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]
凝聚品牌之力 服务人民生活(中国品牌日)
Ren Min Ri Bao· 2025-05-13 22:01
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]