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 - The 2025 Hong Kong International Traditional Chinese Medicine Conference showcased the integration of traditional Chinese medicine and artificial intelligence, highlighting the innovative "Zhongsi" model developed by Guangzhou University of Chinese Medicine and Zhaolian Consumer Finance, aimed at modernizing TCM through AI technology [1][2]. Group 1: Event Overview - The conference, themed "Promoting High-Quality TCM Development Worldwide," gathered nearly 500 experts and representatives from various regions, including over 130 exhibiting organizations [1]. - The event featured prominent figures such as national political advisors, leaders from the National Administration of Traditional Chinese Medicine, and representatives from the Hong Kong government [1]. Group 2: "Zhongsi" Model Introduction - "Zhongsi" is an AI-driven TCM diagnostic model that significantly enhances the efficiency of medical consultations, capable of generating case reports in 3 seconds and diagnosing in 4 seconds [2]. - The model aims to assist clinical decision-making and improve the efficiency of TCM practitioners while also facilitating medical education and experience transmission [2]. Group 3: Technical Insights - The name "Zhongsi" reflects the wisdom of traditional Chinese medicine, inspired by historical figures Zhang Zhongjing and Sun Simiao, and embodies a technical approach that decouples diagnosis and treatment to reduce training complexity [3]. - The model is currently at the L2 level, providing professional diagnostic suggestions, with plans to advance to higher levels of clinical decision-making and expert replication [3]. Group 4: Recognition and Expansion - Since its launch, "Zhongsi" has gained significant recognition, having served over 30 medical institutions and aiming to expand to over 100 grassroots health systems across China [4]. - The model addresses the challenges of limited medical resources and low healthcare standards in smaller cities [4]. Group 5: Broader AI Applications - "Zhongsi" represents a successful application of Zhaolian's AI capabilities, which also include the launch of the "Zhaolian Zhilu" open-source model, enhancing various financial services [5]. - The company has implemented AI in multiple sectors, including customer service and asset management, demonstrating its commitment to improving service quality and operational efficiency [5]. Group 6: Corporate Social Responsibility - Zhaolian integrates social responsibility into its business model, developing AI solutions for consumer protection and environmental sustainability, such as the "Green Yuan" platform for kitchen waste management [6]. - The company collaborates with various industry partners to foster a more inclusive financial ecosystem and address pressing environmental challenges [6]. Group 7: Future Directions - Zhaolian aims to continue advancing AI technology in alignment with national strategies, focusing on high-quality economic and social development [7]. - The company is committed to increasing R&D investments in cutting-edge technologies to drive industry progress [7].

Core Insights - China Unicom's subsidiary, Zhaolian Consumer Finance Co., Ltd., reported total assets of 157.72 billion yuan and net assets of 24.167 billion yuan, with a net asset growth of 6.64%, indicating a positive trend in core operational metrics despite challenges in the consumer finance sector [2] - Zhaolian has successfully balanced scale and quality through risk management and public welfare practices, providing a valuable reference for high-quality industry development [2] Risk Management and Technological Innovation - Zhaolian has established a unique and effective full-process risk control system, achieving a fraud identification rate of 95% and an interception rate of 90% through its self-developed "Fengyun" risk control system [3] - Since its launch in 2022, the system has intercepted fraud losses totaling 790 million yuan and assisted law enforcement in cracking multiple black market cases, showcasing significant results in technology-driven fraud prevention [3] - The company has built a robust "immune system" against fraud by leveraging intelligent technologies, enabling real-time alerts and effective interception of fraudulent activities [3] Service Enhancement through Technology - Zhaolian has transformed its service model by applying large model technology in consumer finance, launching the industry's first open-source large model "Zhaolian Zhilu" [5] - The model has undergone two iterations, resulting in the release of the second generation with 8B and 70B parameter versions, enhancing its reliability in financial applications [5] - The Zhaolian Zhilu model is now widely used across various domains, improving service quality and reducing operational costs [5] Customer Complaint Management - Zhaolian has restructured its risk control logic to address the prevalent issue of customer complaints, creating a comprehensive consumer protection intelligent system based on the "preventive medicine" concept [6] - The company has achieved a first contact resolution rate of 99.04% within 48 hours and a case closure rate of 98.73% within five working days, with a customer satisfaction rate of 98% [6] Social Responsibility and Inclusive Finance - Zhaolian integrates social responsibility into its strategy, focusing on education, rural revitalization, and employment assistance, thereby creating a "finance + society" ecosystem [7] - The company has established "credit book houses" and consumer rights protection education bases in rural areas, contributing to the development of a rural credit system and enhancing community engagement [8] - Zhaolian's initiatives have positively impacted over 6 million rural residents and 4 million students through various educational support programs [8] Industry Transformation and Innovation - Zhaolian is exploring digital transformation in traditional industries, such as developing an intelligent traditional Chinese medicine diagnosis model, "Zhongsi," which has been applied in community healthcare settings [9] - The company has also launched an AI-driven smart waste collection platform, "Lvyuan," promoting environmental sustainability and enhancing operational efficiency in waste management [9] Conclusion - Zhaolian's robust financial performance, effective risk management, and commitment to social responsibility position it as a leader in the consumer finance sector, with the potential to drive high-quality industry development during the consumption recovery phase [10]

Core Viewpoint - The article highlights that China UnionPay's consumer finance company, Zhaolian, has been recognized for its reputation risk management practices, winning the "Reputation Management Annual Case" award, marking its third recognition in this area [1][3]. Group 1: Reputation Management - Zhaolian's reputation risk management case, titled "Building a Public Opinion Protection Network, Safeguarding Reputation Safety Harbor," stood out among nearly 400 submissions from 207 financial institutions [1][3]. - The evaluation was conducted by experts from various industry associations and academia, covering multiple dimensions such as brand communication, social responsibility, and corporate culture [3]. Group 2: Consumer Rights Protection - Consumer rights protection is a critical element of Zhaolian's reputation risk management, with the company prioritizing consumer satisfaction and feedback alongside financial performance metrics [4]. - Zhaolian has integrated consumer protection as a core capability, equating "complaint rate" with "bad debt rate," and has utilized AI technology to enhance consumer protection measures [4]. Group 3: Consumer Education and Engagement - Zhaolian actively promotes consumer financial knowledge and risk awareness through various educational materials, reaching nearly 300 million consumers through campaigns aligned with significant consumer rights events [5]. - The company has received recognition for its efforts in enhancing financial literacy among residents in Shenzhen, demonstrating a commitment to consumer education and engagement [5]. Group 4: Future Outlook - Zhaolian aims to continue deepening its reputation management and consumer protection efforts, enhancing its brand image and market competitiveness to contribute to the high-quality development of the financial industry [5].

Core Viewpoint - The article emphasizes the proactive measures taken by the company to safeguard consumer financial security amidst the rapid development of digital finance and the evolving tactics of illegal financial activities [1][11]. Group 1: Company Initiatives - The company launched a series of promotional activities themed "Protecting the Wallet, Safeguarding Happiness" starting June 1, in response to the 2025 campaign against illegal financial activities [1]. - The company has been actively engaging in community outreach, including interactive educational events in urban centers to raise awareness about financial scams [3]. - The company utilizes modern transportation networks, such as high-speed trains, to disseminate financial safety knowledge through advertisements and broadcasts, effectively reaching a wider audience [5]. Group 2: Consumer Education - The company conducts various consumer rights protection activities, including online seminars with industry experts and educational videos on financial literacy, targeting different demographics such as youth and the elderly [7]. - The company has implemented innovative games like "Kick Away Scams" to make learning about financial fraud engaging and accessible to the public [3]. Group 3: Technological Advancements - The company has integrated consumer protection into its core operations, viewing complaint rates as critical indicators alongside default rates, and aims to enhance its digital consumer protection capabilities [9]. - The company has developed a unique "four precision" consumer protection system and is exploring advanced models to improve fraud detection and prevention [9]. - The company reported a fraud impersonation rate of only 0.0002, indicating a significantly lower level of fraud compared to industry standards [9]. Group 4: Collaboration with Authorities - The company has collaborated with law enforcement to combat financial crimes, successfully aiding in the arrest of nearly 20 suspects involved in fraudulent activities [10]. - The company aligns its efforts with national regulatory goals, emphasizing the importance of maintaining financial stability and protecting consumer rights [11].