Under the general trend of industrial digitalization, what role will financial institutions play in empowering the digital economy to become better and stronger through scientific and technological means? How will digital finance help high-quality economic development and people's better life?
As a technology-driven financial institution, instant consumption is based on digitalization. With the strategic blessing of "scenario+technology+openness" integrated digital platform, it has helped over 200 financial institutions, linked over 200 mainstream Internet consumption scenarios, and cooperated with over 6,543,800 merchants. At the same time, based on the ability of digitalization, we can instantly consume and assume the feelings of building a country, use digital power to help rural revitalization and double-carbon development, and give full play to digital power to help people start a better life.
Science and technology self-reliance strategy, consolidate the digital foundation
Facing the unprecedented changes in the past century and the profound and complicated changes in the domestic and international environment, it is an urgent need to accelerate digitalization and self-reliance in science and technology in the digital economy era to promote national rejuvenation and the foundation of the financial industry.
Instant consumption has established the strategy of self-reliance in science and technology since its inception, which is a development road with many inputs, high barriers and slow returns. It will soon drive consumption with science and technology, continuously consolidate digital strength, and gradually build its own professional technical barriers and core competitiveness.
In 20021year, the report card handed over by instant consumption is the best proof to test its strategy of scientific and technological self-reliance: by the end of 20021year, the technical team with more than 1300 people had instant consumption, accounting for more than 70% of the total number of the company; Independently developed more than 900 sets of core technology systems covering the whole business process and life cycle of consumer finance, and obtained 74 software copyright registration certificates.
In the research and development of science and technology patents, instant consumption has already led the industry. In 20021year, the number of patent applications was as high as 605, and the number of patents published reached 36 1 piece. According to the data of China National Intellectual Property Administration, the public patents in the consumer finance industry account for 44.7%, covering artificial intelligence, cloud platform, big data technology, machine learning and risk control technology.
Moreover, in order to better promote scientific research and development, 10 Industry-University-Research joint innovation lab was established immediately, including four "1" Industry-University-Research platforms, including National Scientific Research Platform 1, Postdoctoral Workstation 1, Provincial Key Laboratory 1 and Chongqing Enterprise Technology Center 1.
At the same time, it also participated in the compilation of a number of national scientific and technological standards, promoted the standard construction in the fields of artificial intelligence, big data, blockchain, etc., and won the certification and honor of the Ministry of Industry and Information Technology's 202 1 big data industry development pilot demonstration project, the national high-tech enterprise certification, and the Ministry of Industry and Information Technology's "New Generation Artificial Intelligence Industry Innovation" and other scientific and technological fields, and became the national team of artificial intelligence industry innovation.
As a technology-driven financial institution, digitalization is the key to maintain the steady growth of consumption immediately. In this regard, Zhao Guoqing, chairman of Instant Consumer, said that mastering the independent intellectual property rights of core technologies is one of the important standards to measure the scientific and technological capabilities of enterprises. Only by holding independent intellectual property rights in our own hands can we take the initiative to speak out in the digital tide.
Therefore, Instant Consumption has invested heavily in scientific research and development, talent introduction and training since its establishment in June 2005, and all technical products are independently developed. It is reported that at present, its R&D investment is mainly focused on the application research in key areas of core technologies such as artificial intelligence, big data and cloud computing, so as to build comprehensive digital technical capabilities of business dataization, process digitization and service intelligence, and to build ubiquitous and readily available digital capabilities.
Deepen the open platform and promote the digital upgrading of the industry.
After laying a solid digital foundation internally, we immediately began to promote the open platform strategy from 20 19, driving various digital capabilities with technology, risk control and intelligent customer service. From the background to the front desk, from self-operated to open, the industry is digitally upgraded.
Based on the digital open platform, the "AI+ Scenario+Credit" mode and "Self-operated+Open Platform+Financial Cloud" mode of instant consumption are established to connect financial institutions and consumption scenarios, flexibly and efficiently connect funds and assets, and provide customers with one-stop value-added services to digitize the industry.
At a time when all financial activities must be supervised, as a licensed financial institution, instant consumption, an open platform, shows more value. On the premise of ensuring the data compliance and security of all parties, in the instant consumption open platform, all partners are deeply integrated in many dimensions such as capital, traffic, scenarios, data and technology, so as to achieve a win-win situation for all partners in the ecosystem. Up to now, the digital ability of instant consumption has empowered over 200 financial institutions and over 1 10,000 cooperative merchants.
At the same time, driven by the open platform, a digital light asset mode operation has been built, which is also the transformation direction of the loan-assisting mode driven by strict supervision in recent years. More importantly, driven by this operating model, Instant Consumption has gradually developed into a comprehensive financial institution driven by technology, which is also the driving force for its high-quality and stable growth over the years.
In the future, in the era of digital economy, the open platform of instant consumption will release more kinetic energy. "In our open platform, we provide assets, capital and technology to cooperative institutions such as scene parties and financial institutions. In the long run, the open platform business will account for 40% of our overall business. " Zhao Guoqing is full of confidence and determination for the future.
Practice Social Responsibility and Digitally Empower the Strategy of "Double Carbon" and "Rich"
For a long time, spot consumption has been pursuing the long-term, closely linking its own development with the destiny of the country and the times. In Zhao Guoqing's view, the essence of permanence is to truly integrate the values of "unity of justice and benefit" such as economic benefits, social benefits and environmental benefits into the business philosophy. After all, the foothold of finance is to serve the people and make their lives better.
In order to achieve the goal of * * * prosperity and help rural revitalization, we immediately launched the "Roadmap for Rural Revitalization 2.0" on 202 1. On the one hand, take advantage of digitalization to sink the digital inclusive finance service, accurately reach the county and urban and rural areas, further narrow the "digital divide" between urban and rural areas, and inject new vitality into rural financial development; On the other hand, it provides technical support for rural revitalization, vigorously promotes key core technologies of agriculture, and helps rural industries improve quality and efficiency.
For example, instant consumption empowers the smart farming industry through the intelligent service platform, helping many farmers to realize the transformation from traditional "relying on the sky" to scientific and technological precision and intelligent farming. Under the premise of ensuring the privacy of farmers' production data, the platform can realize 24-hour environmental monitoring, and the accuracy of disease monitoring is as high as 99%. It can not only monitor in real time, but also better guide farming, improve quality and increase efficiency.
This is just a microcosm of spot consumption and rural revitalization. Zhao Guoqing said that rural revitalization and inclusive finance will be the focus of work in 20021and beyond. In order to solve the pain points of rural people's needs, the open platform strategy of immediate consumption will also empower rural revitalization. It is reported that immediate consumption should build a rural revitalization and opening platform-open to users, products, models and capabilities, so as to realize the functions of product aggregation, supply and marketing, demand docking and policy transmission.
Similarly, in the strategy of helping double carbon, 20021released the carbon neutrality roadmap for peak carbon dioxide emission 2.0: it proposed to help the financial industry move towards carbon neutrality by participating in the construction of a green and low-carbon standardization system, joining hands with government and enterprises, promoting green public welfare, building green corporate culture, strengthening its own energy conservation and emission reduction, and constantly expanding its green financial service capabilities.
At the same time, immediate consumption also puts forward the "small goal" of realizing its own net zero emission in 2030. Now, instant consumption has achieved the results of carbon emission reduction through digitalization of the whole process: online processing, electronic contract, financial cloud, electronic certificate, intelligent customer service and so on. The cumulative carbon emission reduction was 584,000 tons, equivalent to planting 32.79 million trees.
On the road of practicing social responsibility, immediate consumption will continue to be deep, solid and thorough. In Zhao Guoqing's view, long-term doctrine should focus on the future, not deliberately pursue short-term interests, show the feelings of big enterprises, and constantly improve the ability and level of fulfilling corporate social responsibility.
If you accumulate strength, you will be invincible; All wisdom is of no help. When more and more financial institutions no longer pursue the supremacy of scale, but combine commercial value with social value, digital technology can exert greater kinetic energy and really help the people of China realize a better life.