A few days ago, the central bank released the second phase of the "financial technology development plan (2022-2025)" (referred to as the "plan"), the development of the next four years in the field of financial science and technology focus on a clear plan.
The Plan points out that we should adhere to the development principles of "digital drive, wisdom for the people, green low-carbon, fair and inclusive", strengthen the application of financial data elements as the basis, deepen the structural reform of the financial supply side as the goal, accelerate the digital transformation of financial institutions, and strengthen the prudential supervision of fintech as the main line, inject digital elements into the whole process of financial services, and inject digital elements into the whole process of financial services, as well as strengthen the supervision of fintech as the main line. Injecting digital elements into the whole process of financial services, running digital thinking through the whole chain of business operations, focusing on technology-driven and data-enabled financial innovation, and promoting China's financial technology from "building pillars and beams" into a new stage of "accumulating momentum", and striving to realize the overall level and core competitiveness by leaps and bounds by the year 2025. The overall level and core competitiveness to achieve leapfrog improvement.
In the era of the digital economy, financial technology is being integrated into the industry chain ecosystem, becoming an important fulcrum for the construction of a digital China. The People's Bank of China Science and Technology Secretary Li Wei said in a media interview, financial technology innovation for the cohesion of financial development of new momentum, deepening the digital transformation of special significance, has become the core force to lead industrial change, help the development of the new economy.
The consumer finance market, as one of the important areas of financial technology, technological innovation has also become a new engine to promote the development of consumer finance companies.
Become the national team of AI industry innovation by adhering to technology research and development
In recent years, independent research and development of science and technology has been upgraded to a national strategy, and the 14th Five-Year Plan specifically points out that "self-reliance in science and technology is the support for the development of national strategy" and that "self-reliance in science and technology is the support for the development of national strategy".
In this regard, Zhao Guoqing, Chairman of Immediately Consumption, said that independent intellectual property rights to master core technologies is one of the important criteria for measuring the ability of enterprises in science and technology, and only by mastering independent intellectual property rights in their own hands can they take the initiative in science and technology competition, and can they be more powerful in science and technology to empower the financial sector, the real economy, and to serve the community and people's livelihoods.
As a technology-driven financial institutions, immediately consumer in artificial intelligence, big data, cloud computing and other new technologies continue to make efforts, has set up more than 1,300 people in the technical team, accounting for more than 70% of the company's total number of people; independent research and development of more than 900 sets of consumer finance covering the whole business process, the whole life cycle of the core technology system, access to 74 software copyright registration certificate.
According to a recent report released by Zero-One Think Tank, as of November 30, 2021, immediately consumption of public patents amounted to 361, accounting for 44.7% of the industry's total, ranking first in the industry.
In addition, immediately consumption has established artificial intelligence research institute, postdoctoral research station, intelligent finance and big data analysis key laboratory and other internal scientific research platforms, but also with the Chinese Academy of Sciences and other scientific research institutes *** build the National Center for Applied Mathematics.
Recently, Immediately Consumer and the China Academy of Information and Communications Technology Yun Da Institute set up the "Trusted AI Joint Laboratory", which will integrate human, technical and other resources, and cooperate in the face recognition security key technology research, and effectively promote the in-depth integration of industry, academia, and research, promote the transformation of scientific and technological achievements, and enhance the innovation capacity and technical level.
Continuous investment in technology research and development, immediately consumption is also full of harvest. 2021, immediately consumption to obtain the Ministry of Industry and Information Technology 2021 pilot demonstration project for the development of big data industry, the national high-tech enterprise certification, the national Ministry of Industry and Information Technology, "a new generation of artificial intelligence industry innovation" unveiled the list of winning units, to become a national team of artificial intelligence industry innovation; and participate in the formulation of national standards, and the development of a national standard for artificial intelligence industry innovation.
Continuously promoting the open platform strategy to help industrial digital transformation and upgrading
In promoting the development strategy of the digital economy, financial technology is being integrated into the industry chain ecology of various industries, and by means of financial technology, financial services are promoted to be more broadly and y embedded into the digital transformation scenarios of industries, and financial institutions are providing digital services for various industries with the accumulation of their technical experience. The accumulation of financial institutions with their technological experience provides digital upgrading solutions for a number of industries.
"The open platform of Immediately Consumption provides multiple value-added services integrating business and technology to scene parties, financial institutions and other cooperative organizations, and promotes industrial digitization in the vertical ecosystem in a structured and orderly manner." Zhao revealed that in the long run, Immediately Consumption will be based on the open platform, establish "AI+scene+credit" and "self-operated+open platform+financial cloud" modes, and flexibly and efficiently link the asset side and the capital side through the scientific and technological capabilities and the open platform, so as to form a closed-loop business chain of the asset and capital side. The company's business chain is closed-loop, with the asset and capital ends linked flexibly and efficiently through its technological capabilities and open platform.
It is reported that since the beginning of 2019, Immediately Consumption has begun to promote the open platform strategy, driving the digitalization capabilities centered on science and technology, wind control, intelligent customer service and so on. So far, the number of organizations empowered by Immediately Consumer is more than 100, and the number of cooperating financial institutions is more than 200, which has helped many banks, insurance, trusts, retail, hotels, logistics and other enterprises to realize digital transformation and upgrading, and has covered millions of consumer scenarios.
Science and technology for agriculture, for the revitalization of the countryside
The year 2021 is the beginning of the historical transfer of the focus of the work of the three rural areas from poverty alleviation to the comprehensive revitalization of the countryside. The way to revitalize the countryside is to accelerate the modernization of agriculture and rural areas, and the necessary link is the scientific and technological empowerment.
With the continuous improvement of rural digital infrastructure, financial technology began to embedded in the agricultural production and operation, livelihood system, to achieve rural revitalization of the key areas of the "precision drip irrigation".
In recent years, under the overall promotion of the financial management department, China's financial technology has carried out a lot of useful exploration in the service of rural revitalization, and has achieved certain development results. In this regard, we have taken the lead in launching the "Rural Revitalization Roadmap 2.0", which is to give full play to the advantages of science and technology, accurately reach out to counties, cities and towns, and continue to develop digital inclusive finance for counties and villages; to fully utilize the means of digital science and technology, vigorously push forward the research of the key core technologies of agriculture, and strengthen the support of agricultural science and technology to provide technical support for the revitalization of the countryside. The company has also provided technical support for the revitalization of the countryside, helping to improve the quality and efficiency of the smart farming industry.
On December 24, 2021, the 2021 "Pegasus Cup" global university science and technology innovation competition organized by the Consumer Artificial Intelligence Research Institute and the Social Value Research Institute came to an end. The theme of the visual track of the competition is "AI chicken population monitoring", which is a classic scenario of AI chicken population counting in Immediately Consumer's rural revitalization smart chicken raising platform project.
It is understood that before the Pegasus Cup competition, immediately consumption in the AI dynamic monitoring has been established. Immediately consume real-time monitoring through the camera, the image data is transmitted to the cloud platform, based on the AI multi-target detection model of the cloud platform, you can display the number of monitoring in real time. In addition, body temperature and disease detection, environmental monitoring, through the arrangement of sensors, you can real-time monitoring of the environment temperature, humidity, etc., the first time to find anomalies and automatic warning, to take preventive measures in advance. Through the intelligent transformation of the farm, so that the local farm farmers to increase income by 20%, but also for the wisdom of farming to provide a model case can be landed; at the same time on-line shopping malls to establish rural revitalization special area, to provide farmers with infusion, aggregation services, to achieve the effect of science and technology to promote agriculture, abundance of production to help sales.
"In 2022, immediately consumption will continue to strengthen the independent research and development capacity of science and technology, accelerate the transformation of scientific research results, stimulate the vitality of scientific and technological talent, broaden the value of scientific and technological empowerment, and strive for a new high in technological capacity." Zhao Guoqing said.