At present, "doing a good job in science and technology finance, green finance, inclusive finance, pension finance, and digital finance" is becoming the core goal of the innovation and development of consumer financial institutions. In terms of the integrated development of "digital finance" and "inclusive finance", Zhaolian Financial, which adheres to the concept of "practicing inclusive with science and technology and making credit live up to expectations", is at the forefront of the industry, and is driving by scientific and technological innovation to contribute to the high-quality development of the economy through multiple channels and dimensions.
As an enterprise full of scientific and technological innovation genes, Zhaolian Financial has established the path of digital development since its establishment, pioneered a pure online consumer finance development model in the industry, independently built a consumer finance system based on "cloud technology", and became the first consumer finance company to "go to IOE". After innovating and building six core competencies of IT-driven, product innovation, smart service, Internet risk control, digital operation and intelligent collection, Zhaolian Financial has continuously promoted the in-depth integration of finance and technology in the process of evolution and development.
Especially in the field of industry-university-research cooperation, Zhaolian Financial continues to reap fruitful results. Among them, on the basis of the approval to set up a "postdoctoral innovation practice base", Zhaolian has in-depth cooperation with universities and scientific research institutions. In October 2023, two papers jointly completed by Zhaolian and the University of Science and Technology of China on "3D Action Representation Learning" and "Diffusion Generative Image Detection" were published at the 2023 International Computer Vision Conference. In November 2023, Zhaolian released the first 13 billion parameter open-source large model "Zhaolian Zhilu" in the consumer finance industry, which was listed on the domestic authoritative list C-Eval (ranking TOP20) and CMMLU (ranking TOP10) at the same time as Baidu, Alibaba, OpenAI, Tsinghua University and other enterprises and universities.
While innovative scientific and technological achievements continue to land, Zhaolian is vigorously developing inclusive finance to benefit thousands of households. Especially for individual strivers, Zhaolian launched the credit solution "Confidence" in 2022, which supports customers to independently manage and prove their credit, breaks down information barriers, and provides customers with timely and effective services such as amount increase, price reduction, and deferred repayment. With the advantages of inclusiveness and innovation, "Confident" successfully made the list of "2022 Shenzhen Financial Innovation Award". At the same time, "self-healing", which runs parallel to "self-confidence", helps overdue customers heal themselves through self-service, and Zhaolian also takes the initiative to innovate post-loan management methods, deeply understands the needs and difficulties of overdue customers through financial technology, and provides personalized and intimate repayment services, which evolves into a new post-loan interaction model of "customers actively finding", which not only makes customers feel respected and cared for, but also effectively improves customer experience and protects customer credit. As of March 2024, the "Confident" service has reduced the price for more than 13 million customers and unconditionally reduced interest for more than 100,000 people in need.
In the process of continuously improving the market competitiveness and brand reputation of the enterprise, Zhaolian also actively practices social responsibility and promotes the achievements of scientific and technological innovation to be used by the society. For example, in terms of rectifying financial fraud and chaos, Zhaolian has always adhered to anti-fraud publicity and education, and established a new model of omni-channel and multi-form publicity through the popularization of financial knowledge and online and offline anti-fraud activities. In 2023. Zhaolian has covered more than 33 million financial consumers, and social welfare practice activities such as "Financial Knowledge on Campus" and "Summer Trips to the Countryside" have been carried out for many years, popularizing financial knowledge and enhancing the awareness of financial risk prevention for more than 4 million college students and more than 6 million rural residents. In terms of cooperation with law enforcement agencies, based on scientific and technological innovation, Zhaolian has independently built an intelligent and flexible "Fengyun" risk control system, established a fraud and suspicious transaction identification and control system, and successfully intercepted nearly 10,000 deceived customer transactions in 2023, intercepted loans of more than 300 million yuan, and reported more than 30,000 pieces of fraud-related information to the public security department.
Entering the "14th Five-Year Plan" stage, Zhaolian will also focus on the foothold of inclusive finance in rural revitalization, and actively explore new models of e-commerce to help agriculture. In 2023, Zhaolian will continue to enrich the special agricultural products on the shelves in combination with the "Rural Revitalization and Benefiting Farmers Plan", and link up with counterpart counties and cities. By the end of 2023, Zhaolian Agricultural Mall has put on the shelves more than 1,000 special agricultural products from counterparts in townships and counties in many countries, and actively given special subsidies, and the sales of agricultural products have increased by about 8.5 times month-on-month.
Deeply cultivated in the market for many years, Zhaolian has always regarded the development of "digital intelligence" as the core competitiveness of the enterprise, and has grown into the "vanguard" of consumer finance in continuous innovation and expansion. While continuing to achieve fruitful results in the fields of digital finance and inclusive finance, Zhaolian is also exploring and moving forward in integrated development, empowering with high-quality financial products and services, deeply integrating product innovation, service upgrading and reciprocal benefits with the development route of "finance + technology", and continuing to help the high-quality development of consumer finance.
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