在数字化时代，守护好每一位客户的资金安全是银行业的重中之重。广发银行深知电信网络诈骗的危 害，面对社会案防新态势，全力搭建了业内领先的大数据智能风控系统，持续筑牢金融安全防线。 系统全面覆盖，系统覆盖手机银行、个人网银、快捷支付、POS、数字人民币、ATM等多渠道交易场 景。 实时智能处置，依托底层海量数据吞吐能力和多维度风控模型、策略及规则，实现对手机银行、个人网 银、快捷支付、POS、数字人民币等线上资金转出交易的7*24小时实时监测及差异化处置。 精准阻断保护，对于远程登录盗刷、本人本机转账、远程控制交易等各类疑似电诈交易或严重偏离客户 本人历史使用行为的交易，系统将在实时交易环节采取限制性保护措施，第一时间直接阻断交易，及时 有效守护客户资金安全。 精准拦截挽回千万元损失 今年以来，广发银行在打击电信网络诈骗案件，保护客户资金安全方面成效突出。2025年上半年，全行 通过大数据智能风控平台成功阻断电子银行渠道（不含POS、第三方支付、数字人民币）电诈案件145 起，为受害客户直接拦截被骗资金1427万元，避免潜在资金损失超4000万元。 广发银行通过风控模型自动止付，及时向分行下发预警线索，与公安机关 ...

近日,福建省数据管理局公布了2025年度福建省数字经济核心产业创新企业征集遴选结果,白鸽在线凭借 其创新能力、业务增长和市场表现,连续第三年获评"福建省独角兽企业"称号。 白鸽在线将以此殊荣为新阶段加速发展的号角,持续夯实技术根基,深化产品创新,优化服务体系,致力于成 为驱动"数字福建"战略进程中的关键新动能,为服务实体经济、提升民生福祉贡献更多"白鸽力量"。 该评选由福建省数据管理局联合省经济信息中心等相关权威部门组织进行,旨在认定和表彰省内具备高 成长性、创新能力突出、且估值达到一定规模的企业。连续三年入选此榜单,体现了业界与相关机构对 白鸽在线近年发展成果及其在金融科技领域所处地位的持续认可。 作为植根福建的数字科技创新型企业,白鸽在线始终坚持科技为本、服务为先、创新为源的发展路径,凭 借在智能风控、保险科技、普惠服务领域的深度布局和核心技术的持续突破,实现了业务的快速、稳健 增长,为政府和企业提供安全、高效、便捷的智能风控管理解决方案。通过构建覆盖交通出行、公共服 务、普惠金融、大健康医疗、教育培训等服务生态,为社会治理、企业经营和民生保障赋能。 | 序号 | 企业名称 | 注册地 | 申报类型 | ...

Core Viewpoint - Ant Group's consumer finance arm, Ant Consumer Finance, has achieved significant revenue and profit growth in 2024, but faces serious challenges including rising bad debts, compliance risks, and issues with collection practices [2][4][6]. Performance Summary - In 2024, Ant Consumer Finance reported an operating income of 15.213 billion yuan and a net profit of 3.051 billion yuan, making it the most profitable company in the industry with total assets of 313.751 billion yuan [2]. - The company's net profit has fluctuated significantly since its establishment in 2021, with a loss of 1.17 billion yuan in 2021, a profit of 841 million yuan in 2022, and a sharp decline to 152 million yuan in 2023 before the surge in 2024 [2]. Bad Debt Issues - The company has increasingly faced bad debt problems, transferring non-performing assets totaling approximately 1.778 billion yuan in 2024 alone, affecting nearly 200,000 borrowers [3]. - In 2025, the situation has not improved, with two rounds of non-performing asset transfers already announced, totaling approximately 581 million yuan and 603 million yuan, respectively [3]. Compliance Challenges - Ant Consumer Finance has encountered compliance issues, receiving a fine of 1.4 million yuan from the regulatory authority due to inadequate corporate governance and risk management practices [4]. - The company has faced significant public complaints regarding aggressive collection practices, with nearly 200,000 complaints related to harassment and privacy violations reported on consumer platforms [4]. Technological Solutions - The company has attempted to address these issues through technology, launching the "Little Red Flower" intelligent risk control system to monitor borrower behavior dynamically [5]. - However, the effectiveness of these technological solutions in resolving bad debt and compliance issues remains questionable, indicating a need for a more robust risk management and compliance framework [5]. Comparison with Competitors - Compared to its competitor, Zhaolian Consumer Finance, Ant Consumer Finance has shown higher profitability in 2024 but lacks stability and compliance in its operations [6]. - Zhaolian Consumer Finance has established a more comprehensive risk management and compliance system over its longer operational history, which allows it to better adapt to market changes and regulatory requirements [6]. Future Outlook - For sustainable development, Ant Consumer Finance must enhance its risk management and compliance practices, leveraging technology while ensuring robust operational frameworks [6].

嘉银科技从创立之初就将科技创新刻入企业发展基因,坚持数字+科技双驱动,重点构建以大数据驱动为 核心理念的云服务平台和智能风控体系。 放眼全球,嘉银科技业务已经覆盖东南亚、非洲、拉丁美洲等多个地区,未来将继续推广到更多国家和地 区。 7月2日，嘉银科技(JFIN)盘中上涨2.25%，截至01:15，报16.38美元/股，成交88.76万美元，总市值8.74 亿美元。 财务数据显示，截至2025年03月31日，嘉银科技收入总额17.76亿人民币，同比增长20.35%；归母净利 润5.39亿人民币，同比增长97.56%。 资料显示，嘉银集团公司是中国领先的科技服务集团,致力于以大数据、云计算、人工智能等技术在消 费场景内连接消费者与金融机构,让每位用户都能享受到高效便捷的科技服务,同时助力金融机构业务高 速增长。 嘉银科技由严定贵先生于2011年6月18日创立,总部在中国上海。嘉银科技于2019年5月10日在美国纳斯 达克成功上市,股票代码:JFIN。 嘉银科技全面聚焦科技战略,在科技领域全面开花结果,"天引"智能资金管理平台高效匹配资金资产,"明 鉴"智能风控引擎大幅优化风控水平,"大禹"数据资产管理平台系统提升 ...

Group 1: AI and Big Data in Finance - The integration of artificial intelligence and big data is reshaping the core operational models of the financial industry, with significant developments in China's fintech sector following the global AI wave initiated by ChatGPT [2] - Major financial institutions like ICBC and China Merchants Bank are leading the application of AI in finance, while Tencent Cloud and Ant Group excel in technology output [2] - Ant Group has developed a leading AI risk control system that supports real-time transactions and compliance for hundreds of millions of users [2] Group 2: Evolution of Credit Risk Assessment - The credit risk evaluation system in banks has evolved from information-based to data-driven and intelligent systems, driven by the deep integration of data and technology [3] - Traditional credit risk assessment relied heavily on customer-provided information and internal data, limiting the use of external data [3] - The rise of digital finance allows financial institutions to access a broader range of external data, enhancing the comprehensiveness of risk assessments [3] Group 3: Innovation in Banking Services - Banks are innovating their service models by integrating online and offline channels, enabling personalized services anytime and anywhere [4] - The application of technologies like Intelligent Process Automation (IPA) has significantly improved operational efficiency, reducing processing times from days to minutes [4] - The focus of banking innovation has shifted from product-centric to ecosystem-centric approaches, integrating business, data, and technology [5] Group 4: Challenges in Inclusive Finance - Financial services for small and micro enterprises face challenges due to high service costs and the inherent risk characteristics of these customer segments [6] - Information asymmetry exacerbates the difficulties in risk identification and control in these segments [6] - Data is recognized as a key production factor in the digital transformation, with its marginal utility increasing as it is reused [6] Group 5: Enhancements in Risk Control Models - Traditional risk control models are limited by the narrow scope of data used, often leading to inadequate risk assessments [7] - By integrating diverse data sources, including user behavior and environmental factors, a more comprehensive risk management system can be developed [7] - The value of data increases with volume and reduced application barriers, enhancing both social and economic value [7] Group 6: AI in Anti-Money Laundering - Ant Group's anti-money laundering system combines AI and graph computing to enhance the identification of complex relationships [9] - The system utilizes heterogeneous graph modeling to depict various entities and their relationships, enabling effective tracking of fund flows [9] - AI plays a crucial role in analyzing suspicious transactions and automating report generation, improving decision-making efficiency [10]

作为消费领域金融供给方之一，支持提振和扩大消费，消费金融公司责任重大。接受《金融时报》记者 采访的消费金融公司表示，消费金融公司是连接金融资源与消费需求的桥梁，将继续积极探索实践，不 断提升专业化服务能力，扩大消费领域金融供给。 例如，招联旗下拥有"好期贷""信用付"两大消费金融产品体系，现已全面覆盖购物、旅游、教育、装修 等众多消费场景。哈银消金自主研发"星斗智能风控体系"，实现了智能实时信贷审批，通过线上线下 （300959）全方位风险识别，极大压降了客户违约风险比例。 蚂蚁消金相关负责人介绍，该公司主要通过三个方面有效增加金融供给，一是重点增加薄弱人群金融供 给；二是紧贴消费时点增加金融供给，尤其是线上消费，与大型电商平台的促销时点紧密结合；三是增 加免息供给，降低消费成本。 政策支持带来新机 "《关于金融支持提振和扩大消费的指导意见》(以下简称《意见》)形成了系统性金融支持消费的政策 框架。《意见》出台后，我们将积极响应，结合自身资源禀赋探索出多层次、差异化的扩内需促消费实 践路径。"哈银消金代理董事长、总裁谢云立表示。 "消费金融机构的功能性定位非常明确，即为零售端金融消费者提供用于消费的信贷服务。 ...

金融机构：在徐银行、保险、证券、基金等机构，重点征集创新服务案例、数字化转型成果、风险防控 实践等。 政府及行业协会：地方金融监管部门、金融协会等，提供政策创新、跨领域协作治理模式案例。 2.领域方向 服务实体经济：供应链金融、制造业专项贷款、科技金融产品等。 普惠金融：新市民金融服务、农村信用体系建设、小微金融产品创新。 （可扫码下载报名表） 2025年是"十四五"规划收官之年，徐州向"万亿俱乐部"稳步迈进。国家金融监督管理总局徐州监管分 局、中国人民银行徐州市分行、新华日报社徐州分社将推出"收官十四五，点'金'万亿城"——2025徐州 金融业服务高质量发展案例征集活动。此次活动将全面梳理徐州金融业在"十四五"期间的政策落实、创 新实践及社会贡献，强化金融机构社会责任感，提升徐州金融业在长三角乃至全国的影响力。 本次活动为期6个月（2025年5月—10月），旨在系统展示徐州金融业"十四五"成就，为"十五五"规划提 供经验借鉴，同时推动金融机构与公众的深度互动，助力徐州建设区域金融中心，为徐州迈向万亿之城 作出金融贡献。 一、征集范围 1.征集对象 规范性：依法依规实施，符合国家政策导向。 4.评审与展示 成 ...

6月23日，嘉银科技(JFIN)盘中上涨2.59%，截至21:53，报16.24美元/股，成交15.66万美元，总市值8.67 亿美元。 财务数据显示，截至2025年03月31日，嘉银科技收入总额17.76亿人民币，同比增长20.35%；归母净利 润5.39亿人民币，同比增长97.56%。 资料显示，嘉银集团公司是中国领先的科技服务集团,致力于以大数据、云计算、人工智能等技术在消 费场景内连接消费者与金融机构,让每位用户都能享受到高效便捷的科技服务,同时助力金融机构业务高 速增长。 放眼全球,嘉银科技业务已经覆盖东南亚、非洲、拉丁美洲等多个地区,未来将继续推广到更多国家和地 区。 嘉银科技全面聚焦科技战略,在科技领域全面开花结果,"天引"智能资金管理平台高效匹配资金资产,"明 鉴"智能风控引擎大幅优化风控水平,"大禹"数据资产管理平台系统提升数据治理能力,"嫦娥"智能语音呼 叫平台提供合规贴心贷后服务。多项科技创新成果的集中落地,促进嘉银科技实现了流程数字化、监督 自动化、决策科学化,数字经济基石不断夯实,数字技术能力飞速发展。 本文源自：金融界 作者：行情君 嘉银科技由严定贵先生于2011年6月18日创立, ...

中国电子首席科学家、中电金信研究院院长况文川发表了题为《连接模型、算力与场景——加速实现生 成式AI应用》的主题演讲，为金融业如何驾驭AI浪潮、锻造新质生产力提供了系统性思考与实践路 径。 金融AI应用从简单向复杂加速分步推进 当前，上海正大力开展"人工智能+"行动，深入实施"模塑申城"工程，积极支持金融等重点领域垂类大 模型建设，着力夯实智能算力、行业语料等关键支撑基础，旨在打造更多带动性强、影响力大的标杆应 用场景，推动更多企业加速数智化转型，大力培育发展智能经济新形态。 近日，作为2025年中国国际金融展系列活动之一，以"智联金融，大模型驱动新质生产力跃升"为主题的 大模型金融应用及创新论坛召开。 探索构建全栈AI技术体系 况文川回顾了中电金信2024年人工智能项目向生成式AI演化的趋势，并对2025年行业最新的建设方向 进行了阐述，通过分享落地生成式AI应用的四个切身体会，指出大模型及智能体虽展现出强大能力， 但并非万能解法，需要结合不同场景进行模型适用性等评估。中电金信在此领域持续探索，通过面向场 景的工程实现路径，并采用企业级知识工程等手段，不断挖掘大模型潜力。目前，中国电子构建了全栈 智算技术体 ...

Core Insights - The release of the "Intelligent Risk Control Practice White Paper" by Tencent Cloud and the Beijing National Financial Standardization Research Institute addresses four major pain points in the financial industry: data sharing barriers, model adversarial bottlenecks, industrialization of black and gray production, and imbalances in inclusive risk control [1][5][7] Group 1: Industry Challenges - The financial industry faces significant challenges due to the rapid digital transformation, including security risks from technological upgrades, compliance pressures from regulatory requirements, and the economic inefficiencies of traditional digital systems in the context of inclusive finance [7] - The white paper emphasizes the need for financial institutions to transition from "human defense" to "technical defense and intelligent control" systems, driven by policies aimed at accelerating the intelligent transformation of risk management [7][8] Group 2: Proposed Solutions - Tencent Cloud's "data-model-application" three-layer architecture is introduced as a solution to enhance intelligent risk control capabilities, where data serves as the foundation, models act as the core engine, and applications represent the practical value [8][10] - High-quality data is identified as essential for intelligent risk control, with multi-dimensional data integration improving fraud detection capabilities and expanding risk control coverage [10][11] Group 3: Model Capabilities - The financial risk control model developed by Tencent Cloud utilizes knowledge distillation technology to create a foundational model that can be customized with minimal sample data, significantly improving anti-fraud effectiveness and reducing modeling time [12] - The model's performance is evidenced by a 20% improvement in anti-fraud effectiveness (KS value) and a 53% enhancement in cross-scenario generalization capabilities [12] Group 4: Real-World Applications - Tencent Cloud's intelligent risk control products have been successfully applied in various scenarios, such as credit fraud prevention and inclusive finance, with notable results including the interception of over 607 million yuan in fraudulent transactions by the "Sentinel" system of China CITIC Bank [16] - The white paper concludes that the exploration of intelligent risk control is ongoing, with future directions focusing on deepening collaborative defense, balancing compliance efficiency, and integrating risk control technology with business operations [17]