Core Insights - Yirendai has successfully navigated the rapid development of the fintech industry over the past decade, leveraging AI technology to enhance its business operations and maintain growth momentum [2][3] - The company aims to optimize existing business processes through AI, while also exploring opportunities to provide AI-enabled solutions to other industries [2][3] Business Strategy - Yirendai's strategy focuses on AI applications, enhancing internal efficiency and external technology output [5][6] - The company has established a comprehensive AI application framework, including risk control, customer service, marketing, and enterprise management [12][13] AI Technology and Applications - Yirendai has developed its own "Zhiyu" large model and various intelligent agents to address specific business pain points, ensuring compliance and operational efficiency [12][13] - The company has implemented AI solutions that significantly improve customer response times and operational efficiency, such as a 98.66% customer call pickup rate and a reduction in fund management time from a week to just 10 minutes [13][14] Talent and Data Resources - Yirendai has cultivated a diverse talent pool, combining expertise in technology, data analysis, and business operations, which supports its AI product development [17][18] - The company has accumulated a vast amount of data, which is essential for training AI models and enhancing business operations [16][18] Future Outlook - Yirendai is positioned to expand its AI capabilities beyond the financial sector, aiming to empower various industries through its technology and experience [21][22] - The company plans to deepen its AI integration in risk prevention and personnel training while fostering partnerships for AI application development [19][21]

在全球需求不确定性加剧的背景下，我国经济正加速向内需驱动转型。数据显示，2024年我国商品消费 支出占GDP比重已与美国持平，但服务消费占比仅为18%，远低于发达国家40%以上的水平。这种结构 性差异，恰恰揭示了消费市场的巨大潜力空间。近日，中国人民银行等六部门联合发布《关于金融支持 提振和扩大消费的指导意见》（下称《意见》），犹如一剂强心针注入消费市场。《意见》围绕增强消 费能力、扩大金融供给等六大维度，推出19项具体举措，聚焦商品、服务、新型消费三大重点领域。作 为消费金融领域的创新力量，宜享花积极响应政策号召，通过科技赋能和场景化金融服务，助力释放居 民消费潜力，为经济高质量发展注入新动能。 在金融支持实体经济的政策导向下，个人信贷和小微信贷的持续扩张正成为刺激内需、激活民营经济的 重要引擎。作为消费金融领域的创新实践者，宜享花充分发挥金融科技优势，通过人工智能精准风控、 大数据动态建模等数字化手段，全面优化信贷审批、资金匹配及贷后管理的全流程服务。平台今年重点 加强对小微企业的经营性贷款支持，同时创新推出场景化消费金融产品，既满足居民家电置换、教育医 疗等消费升级需求，又为个体工商户、科创企业提供灵活 ...