转自：新华财经 今年8月国务院发布《关于深入实施"人工智能+"行动的意见》，将"人工智能+"列为重点方向，并提 出"培育具有国际竞争力的金融科技企业"助力深圳打造全球金融科技中心。同月，平安集团提出"AI in all"战略，推动AI全面融入金融业务，实现与国家政策的同频共振。金融壹账通作为平安集团对外的金 融科技输出窗口，致力于将AI转化为可落地的金融生产力。 政策导向与市场需求：金融科技服务的逻辑起点 金融服务实体经济的核心在于优化资源配置，而技术创新是提升服务效率的关键支撑。政策层面已构建 起"技术赋能金融、金融服务实体"的顶层框架，但现实中金融AI仍面临技术与业务脱节的挑战——麦肯 锡研究显示，80%应用新一代AI的企业未能实现显著价值提升。 针对这一痛点，金融壹账通以"业务+技术"为路径，将AI深度融入金融全流程。其"全能代理人"平台融 合平安寿险30余年经验，覆盖保险代理全流程，已在南非耆卫保险落地，并助力香港某保险公司将业务 线上化率提升至80%、出单时间减半。该模式同样应用于银行领域，通过整合非传统信用数据缓解小微 金融服务中的信息不对称。 通过早期全球化实践，金融壹账通形成了"需求洞察—能力 ...

Core Viewpoint - The article emphasizes the importance of digital credit solutions in supporting new industrialization and addressing the financing needs of small and medium-sized enterprises (SMEs) through innovative financial technologies [1][6]. Group 1: Industry Trends - The guidance issued by seven departments highlights the need for financial institutions to support key areas of new industrialization, with a focus on differentiated credit policies for various industries and stages of enterprise growth [1]. - The banking credit market is experiencing a dichotomy, with traditional loan approvals stagnating while automated small micro-loans continue to grow, reflecting the challenges in risk control strategies during an economic downturn [1][6]. - Digital technologies, particularly AI and big data, are becoming essential tools for financial institutions to enhance their service to the real economy and implement policies effectively [1][6]. Group 2: Digital Credit Solutions - Financial One Account's digital credit solution covers "all customers and all products," utilizing AI and big data for proactive risk management and intelligent decision-making, ultimately reducing operational costs and enhancing risk control capabilities [2][6]. - The introduction of a large model intelligent due diligence solution addresses core pain points in credit business, significantly automating the report generation process and improving quality [2][3]. Group 3: Practical Applications - The AI-driven credit solutions have demonstrated significant efficiency improvements, with customer manager productivity increasing by approximately six times and loan approval times reduced to about one day [4][6]. - The "Xiangyin Housing Mortgage Loan" product exemplifies effective online processes, serving over 22,410 individual businesses with a total loan amount of 6.11 billion yuan, showcasing both inclusivity and commercial sustainability [5][7]. Group 4: Value Creation - Digital credit is reshaping inclusive finance, allowing financial institutions to transition from traditional risk assessment to a model that ranks risks across customer groups, thereby lowering costs and expanding service coverage [6][8]. - Financial One Account has served over 2 million SMEs, contributing to an inclusive loan balance of 32.93 trillion yuan, and has extended its "data credit" model to rural revitalization efforts [6][8]. Group 5: Future Directions - The future of digital credit is expected to evolve towards deeper integration with industrial scenarios, enhanced decision-making through large models, and cross-institutional data collaboration to improve risk control precision [8].