从油车到电车，从机械到智能，再到如今的"数据驱动汽车"，每一辆车，都正在被重新定义。而在这场 升级里，汽车金融、汽车保险、汽车服务，也到了彻底重做一遍的时候。 让"交易-金融-服务"三端重新连起来，金融壹账通正式推出「车生态平台」。 简单说，这是一个把车主服务、车险、车贷、车后全部串起来的"一站式智能车生态底座"。但它真正的 意义，不是做一个平台，而是重做行业的技术栈：让车贷审批不再依赖人工，车险核保与定价更精准， 车主洗车、保养、充电等服务真正线上化，同时让车企、经销商、保险公司、银行……在同一套系统协 同，打通多角色之间的信息流与资金流，构建端到端的服务闭环。让一辆车从卖出去，到用起来，到服 务好，都能跑在同一条"智能链路"上。 • 智能风控：本地化建模，覆盖贷前—贷中—贷后全流程 • 保险科技：自动核保、智能定价、自动理赔、反欺诈、反渗漏 • 车联网：对接主流车载设备，实时监测车辆状态与驾驶行为 • 自动化运营：合同签署、资方对接、放款管理、客服全流程自动化 不是从零起步，而是把车险与车后服务能力，打包成可出海的技术基础设施。 打通全流程 「车生态平台」第一件事，就是做全流程系统化设计：线上车商城、一/ ...

Core Insights - The Chinese government has prioritized "Artificial Intelligence+" as a key direction to enhance the financial technology sector, aiming to cultivate internationally competitive fintech companies to support Shenzhen's goal of becoming a global fintech hub [1] - Ping An Group has introduced the "AI in all" strategy to fully integrate AI into its financial operations, aligning with national policies [1] - Financial One Account aims to transform AI into practical financial productivity, serving as Ping An's external fintech output window [1] Policy Guidance and Market Demand - The core of financial services to the real economy lies in optimizing resource allocation, with technological innovation being crucial for improving service efficiency [2] - Despite a top-level framework for "technology empowering finance and finance serving the real economy," financial AI faces challenges in bridging technology and business [2] - Financial One Account integrates AI deeply into the entire financial process, utilizing its "All-in-One Agent" platform to enhance efficiency in insurance and banking sectors [2] Compliance and Inclusive Finance - The "14th Five-Year Plan" for digital economy development emphasizes "self-controllable innovation" and "enhancing inclusive finance" [3] - Financial One Account has completed over 100 domestic compatibility certifications and has been included in the national innovation directory [3] - The company has implemented a digital SME credit system that achieves full online processing through a "data credit" model [4] Ecosystem Co-construction - Financial One Account is building a collaborative ecosystem that integrates technology, industry, and finance, focusing on high-level openness and serving the real economy [6] - The company has developed six major solutions to meet the digitalization needs of financial institutions, employing a modular architecture and cross-scenario collaboration [6] - The overseas expansion strategy includes local teams and customized ecosystems, with partnerships in South Africa and the Philippines, and plans for collaboration in Vietnam [6][7] Strategic Alignment and Global Expansion - Financial One Account's practices reflect the trend of Chinese companies collaborating internationally to build synergistic barriers through comprehensive industry chain outputs [8] - The company is enhancing its product matrix across various sectors, including insurance, banking, and automotive ecosystems, while advancing multi-modal large model research [8] - As the only external fintech output window for Ping An Group, Financial One Account provides feasible pathways for financial institutions' transformation and demonstrates China's capability in empowering the real economy and participating in global governance [8]