Core Viewpoint - The recent 2025 People's Finance Forum in Beijing recognized the case submitted by Zhuhai Consumer Finance Co., Ltd. (referred to as "Zhuhai") for its innovative practices in building an AI ecosystem and leading the digital transformation of the industry, marking its second consecutive year of receiving this honor as the only consumer finance institution selected [1][3]. Group 1: Recognition and Achievements - Zhuhai was awarded the "Digital Finance" case in the "2025 Construction of a Financial Power" initiative, following its previous recognition in 2024 for its contributions to "Inclusive Finance" [1][3]. - The continuous recognition of Zhuhai highlights its sustained leadership in comprehensive strength and its significant role in promoting financial services for the real economy, providing important references for the industry's high-quality development [3]. Group 2: Technological Innovations - Zhuhai has adopted cutting-edge technologies such as cloud computing, big data, and machine intelligence to enhance its core capabilities, including IT-driven operations, internet risk control, and intelligent services [4]. - The company launched the industry’s first open-source large model "Zhuhai Zhilv," which has undergone two iterations, resulting in the release of the second-generation model with enhanced capabilities for complex business scenarios [4]. Group 3: Consumer Protection Initiatives - In the consumer protection domain, Zhuhai developed the "Zhuhai Zhilv Consumer Protection Intelligent Agent," establishing a three-tiered prevention system that effectively addresses customer complaints and enhances service quality [5]. - The consumer protection intelligent agent can monitor over 60 scenarios, achieving a 90% first-time resolution rate for issues and identifying over 6,000 fraudulent numbers [5]. Group 4: Inclusive Financial Services - Zhuhai has created a digital "self-service" system characterized by "confidence" and "self-healing" services, significantly improving accessibility and convenience for customers [6]. - The "confidence" service allows 40% of customers to complete self-service authentication and approval outside traditional banking hours, benefiting over 15 million customers through reduced costs and interest [6]. - The "self-healing" service has evolved the traditional post-loan interaction model, serving over 200,000 customers and providing relief to more than 420,000 individuals [6]. Group 5: Future Directions - Zhuhai aims to leverage technological advancements to build a more intelligent, efficient, and secure financial service system, enhancing the precision and adaptability of financial services for the real economy [6]. - The company is committed to playing a significant role in the construction of a financial power, focusing on technological innovation and inclusive service to contribute to the broader financial landscape [6].

Core Viewpoint - The 2025 People's Finance Forum recognized the "AI Intelligent Ecosystem Construction Leading Industry Digital Transformation" case by Zhuhai Consumer Finance Co., Ltd. as a significant digital finance innovation practice, marking its second consecutive year of recognition as the only consumer finance institution to achieve this honor [1][3]. Group 1: Recognition and Achievements - Zhuhai Consumer Finance has been awarded for its innovative practices in digital finance, highlighting its continuous leadership in the industry [3]. - The company was the only consumer finance institution to be recognized in both 2024 and 2025, showcasing its sustained excellence and contribution to the financial sector [1][3]. Group 2: Technological Innovation - The company has integrated advanced technologies such as cloud computing, big data, and machine intelligence into its operations, enhancing service quality and efficiency [4]. - In 2023, Zhuhai launched the first open-source large model "Zhuhai Smart Deer," which has undergone two iterations, improving its ability to handle complex business scenarios [4]. Group 3: Consumer Protection Initiatives - The "Zhuhai Smart Deer Consumer Protection Intelligent Body" was developed to create a three-tiered consumer protection defense line, significantly improving complaint resolution rates [5]. - The intelligent body can monitor over 60 scenarios, achieving a 90% first-time resolution rate for issues, and has identified over 6,000 fraudulent numbers [5]. Group 4: Inclusive Finance Development - The company has established a digital self-service system characterized by "Confidence" and "Self-healing" services, enhancing accessibility and convenience for customers [6]. - The "Confidence" service allows 40% of customers to complete self-service authentication and approval outside traditional hours, benefiting over 15 million customers [6]. - The "Self-healing" model has evolved customer interactions, serving over 200,000 clients and providing relief to more than 420,000 individuals [6]. Group 5: Future Outlook - Zhuhai aims to leverage technological advancements to build a more intelligent, efficient, and secure financial service system, enhancing the precision and adaptability of financial services to the real economy [6]. - The company is committed to playing a significant role in the construction of a financial powerhouse, focusing on innovation driven by technology and inclusive service for the public [6].

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 Viewpoint - Shenzhen's financial industry plays a crucial role in the city's high-quality development and serves as a strategic pillar for the national financial reform, marking the 45th anniversary of the Shenzhen Special Economic Zone and the 5th anniversary of comprehensive reform pilot implementation [1] Group 1: Company Overview - Zhaolian Consumer Finance Co., Ltd. is the first consumer finance company in the Guangdong-Hong Kong-Macao Greater Bay Area, leveraging Shenzhen's favorable business environment and innovation atmosphere to explore digital economy opportunities [3] - The company was established in 2015 through a collaboration between China Unicom and China Merchants Bank, breaking the boundaries between financial institutions and the real economy [4] Group 2: Technological Innovation - Zhaolian has pioneered a fully online consumer finance model, achieving full-process automation and marking the beginning of the industry's digital transformation [4] - The company has developed core capabilities in IT-driven product innovation, internet risk control, digital operations, and intelligent services, transitioning from "digital" to "intelligent" [6] Group 3: Service Innovations - Zhaolian has introduced a "3H" service model to enhance customer experience, which includes tools for price negotiation, credit limit discussions, and repayment plans [5] - The company has implemented a self-service system that combines traditional risk control strategies with multi-dimensional self-verified credit, significantly improving accessibility and convenience in inclusive finance [5] Group 4: Research and Development - Zhaolian invests nearly 5% of its revenue in R&D, with over 60% of its workforce dedicated to research, collaborating with universities and research institutions to drive technological breakthroughs [6] - The company has established a postdoctoral innovation practice base and joint laboratories with institutions like the Chinese Academy of Sciences and universities, focusing on AI and big data [6] Group 5: Industry Leadership - Zhaolian has achieved rapid growth and is recognized as a leader in the consumer finance sector, serving as the chair unit for the second and third sessions of the Consumer Finance Professional Committee of the China Banking Association [7] - The company has developed a dual-driven innovation model, empowering the ecosystem through cross-industry collaboration and promoting transformation in peer financial institutions [10] Group 6: Consumer Protection - Zhaolian has established a comprehensive consumer protection system, utilizing advanced technologies to enhance service quality and customer satisfaction, achieving a 99.04% first response rate to complaints within 48 hours [11] - The company has created an intelligent consumer protection model that proactively addresses customer complaints and enhances service efficiency [11] Group 7: Future Directions - Zhaolian aims to contribute to national strategies by exploring new paths for the integration of finance and technology, aligning with the goal of building a strong technological nation [12]