Core Viewpoint - China Post Consumer Finance Co., Ltd. has established itself as a significant player in the consumer finance sector over the past ten years, focusing on inclusive finance and leveraging technology to enhance service delivery [1][2]. Group 1: Company Overview - Established in November 2015, China Post Consumer Finance aims to provide inclusive financial services across various consumer scenarios, including digital products, travel, education, and home decoration [1][4]. - The company has developed over a hundred application systems and engaged in various social responsibility initiatives, including education and anti-fraud campaigns [1][2]. Group 2: Inclusive Finance Strategy - The concept of inclusive finance has been emphasized since the Central Financial Work Conference in October 2023, positioning it as a key driver for high-quality development and service to the real economy [2]. - China Post Consumer Finance has created a product system centered around "You Loan," which covers multiple consumption scenarios and has upgraded its "China Post Wallet APP" to enhance user experience [4]. Group 3: Financial Performance - As of October 2025, the company has served 18.57 million key customer groups, with a loan issuance scale exceeding 1 trillion yuan [5]. - Since 2022, the comprehensive loan pricing has decreased by 4.53% compared to the end of 2021, reflecting the company's commitment to lowering costs for consumers [4]. Group 4: Technological Innovation - The company has developed the "You Vision" model to enhance service efficiency, achieving significant improvements in internal processes and customer experience [5][6]. - It has implemented a comprehensive intelligent defense system for fraud prevention, covering the entire loan process from approval to management [6][8]. Group 5: Consumer Rights Protection - China Post Consumer Finance actively promotes consumer rights protection through financial education initiatives, targeting key demographics such as the elderly, youth, and new citizens [9][11]. - The company has conducted nearly 20 creative anti-fraud public welfare activities since 2021, reaching over 100 million consumers [11]. Group 6: Social Responsibility - Beyond consumer rights protection, the company is involved in rural revitalization efforts, utilizing multi-dimensional agricultural data to enhance financial services for rural customers [11]. - The company aims to continue innovating and enhancing financial experiences while maintaining a commitment to social responsibility and sustainable development [11].

Core Viewpoint - China Post Consumer Finance Co., Ltd. has established itself as a significant player in the consumer finance sector over the past ten years, focusing on inclusive finance and leveraging technology to enhance service efficiency and customer experience [2][3][6]. Group 1: Company Overview - Established in November 2015, China Post Consumer Finance is positioned as a national licensed consumer finance institution, initiated by Postal Savings Bank of China [2]. - The company has developed a diverse product portfolio covering various consumer scenarios, including 3C digital products, travel, education, and home decoration [3]. - As of October 2025, the company has served 18.57 million key customer groups, with a loan issuance scale exceeding 1 trillion yuan [4]. Group 2: Financial Performance - Since 2022, the comprehensive pricing of loans has been on a downward trend, with a decrease of 4.53 percentage points from the end of 2021 to October 2025 [3]. - The company has provided special services such as interest fee waivers and credit support plans to 238,500 customers since 2020 [3]. Group 3: Technological Advancements - The company has developed the "Youyuanjian" model, which has significantly improved internal efficiency and customer experience through the integration of AI and business processes [6]. - The intelligent customer service system has achieved a 98% accuracy rate in customer intent recognition, enhancing customer satisfaction [6]. - As of October 2025, the company holds 106 authorized patents and 135 software copyrights, with over 90% of its application systems being self-developed [7]. Group 4: Consumer Rights Protection - China Post Consumer Finance actively promotes consumer rights protection through various educational initiatives, including online and offline campaigns targeting vulnerable groups [8][10]. - The company has launched nearly 20 creative anti-fraud public welfare activities since 2021, reaching over 100 million consumers [9]. Group 5: Social Responsibility - The company engages in educational poverty alleviation activities, such as the "Walking Blackboard" initiative, which focuses on improving the quality of education in rural areas [10]. - It promotes green consumption through initiatives like the "Old for New" program and the "Youyou Forest" feature, which rewards users for environmentally friendly behaviors [11].

Core Insights - The article highlights the achievements of China Post Consumer Finance in the 2025 "Data Element ×" competition, where it won three awards in the financial services category, showcasing its leadership in digital transformation and AI application [1][3]. Group 1: Awards and Recognition - China Post Consumer Finance won three awards: third prize for "Innovative Research and Application of Intelligent Risk Anti-Fraud," application practice award for "Digital Transformation Paradigm Based on Big Data," and development potential award for "Intelligent Data Analysis Engine for Inclusive Financial Decision-Making" [1]. - The awards reflect the company's significant achievements in data integration and AI innovation [1]. Group 2: Technological Innovations - The company has developed a comprehensive intelligent anti-fraud system that integrates "visualization + star network + multimodal + rules," successfully intercepting over one million risky transactions annually and saving billions in fraud losses [5]. - In intelligent marketing, it has created a full-process intelligent closed loop that evaluates customer value using machine learning algorithms, effectively reaching underserved credit groups through a data-driven "self-enhancement" model [5]. - The intelligent data analysis engine, based on "full-domain data integration + real-time intelligent analysis + automated decision optimization," supports refined operations and scientific decision-making [5]. Group 3: Commitment to Technology and Innovation - As a licensed consumer finance institution, China Post Consumer Finance emphasizes a "technology-first" development philosophy, with 146 patent applications, 104 of which have been authorized, and 121 software copyrights [5]. - The development of the "Youyuanjian" large model provides a solid technical foundation for AI applications in the industry, contributing to the integration of AI and big data [5]. Group 4: Future Directions - The company aims to continue its commitment to "finance for the people," integrating data elements with financial services to enhance the digital transformation of the consumer finance industry and promote inclusive finance [6].

Core Insights - The AICon Global Artificial Intelligence Development and Application Conference in Shanghai focuses on breakthroughs in AI technology and its industrial applications, discussing trends in the integration of technology and applications [1][2] - Zhong Jia from China Post Consumer Finance shared the practical applications of the "Youyuanjian" large model in consumer finance, highlighting the deepening application phase of large model technology [1] Group 1: AI Technology Applications - The "Youyuanjian" large model has achieved significant results in intelligent customer service, with an 80% adoption rate for intelligent extraction and summarization of call information, a 70% adoption rate for recommended customer service scripts, and a 95% accuracy rate in quality inspection [1] - In the realm of intelligent robots, a large model end-to-end dialogue system has been developed, achieving a 97% accuracy rate in customer intent recognition through TTS upgrades and model fine-tuning [1] Group 2: Intelligent Data Analysis - The company has constructed an Intelligent Data Analysis Engine (IDAE) that overcomes traditional BI limitations, achieving a 90% accuracy rate in single-table queries and a 70% accuracy rate in multi-table data localization [2] - The exploration of Agentic AI digital employees aims to enhance the capabilities of general intelligent agents beyond fixed business processes, with applications already in HR recruitment and automated data analysis [2]