2026 is the starting year of the 15th Five Year Plan, and on May 30th, the 10th National Science and Technology Workers' Day will be celebrated. The theme of this year's event is "Striving for a New Chapter in the Science and Technology Spectrum of the 15th Five Year Plan". In the coordinate system of technological innovation, May 30th is not only a date, but also a window for the public to experience the charm of technology. On the occasion of this holiday, Zhaolian Consumer Finance Co., Ltd. (referred to as "Zhaolian") extends sincere respect to all technology workers who are striving on the front line. On the path of promoting technological innovation, the China International University of Finance and Economics (CMB) has delivered a deep integration of finance and cutting-edge technology driven by digitization.

Technological innovation is the core element for developing new quality productive forces. In the hot land of consumer finance, technology workers have never stopped exploring. As a licensed consumer finance institution jointly established by China Unicom and China Merchants Bank, since its inception, China Merchants Bank has shouldered the expectation of shareholders to "explore new models and utilize new technologies". It regards technology as a solid foundation for business development and prioritizes seeking system solutions from a technological perspective. At the stage when the industry generally relies on offline development, China Merchants Union took the lead in exploring a new model of pure online consumer finance to form an Internet solution for consumer finance. The Non Banking Department of the former China Banking and Insurance Regulatory Commission pointed out in an article published in China Finance that "in 2015, the China Merchants Association took the lead in exploring a pure online business model, marking the starting point of the industry's digital transformation

Behind all technological achievements, there is the wisdom and innovation of the Zhaolian Technology team. This year marks the eleventh year of the establishment of the China Merchants Association. The technology team of China Merchants Association has jointly overcome many difficulties in the implementation of cloud computing, big data, and artificial intelligence in the financial field. From the initial IT driven business to the seamless integration of IT and business today, Zhaolian has not only built a solid digital foundation, but also witnessed how technology has transformed from an auxiliary tool to a core engine for high-quality development.

As financial technology, represented by AI, gradually becomes the core engine driven by innovation, Zhaopin actively promotes the development of new quality productivity in the industry and further enhances the convenience of inclusive services. In November 2023, Zhaolian released the industry's first open-source big model "Zhaolian Zhilu" and continued to promote the iterative upgrading of the big model, realizing the transformation from a single model fine-tuning to an intelligent agent application with "model capability+engineering capability". Innovatively, AI applications have evolved from individual big model calls to intelligent agent applications that integrate knowledge engineering, system engineering, and model capabilities, forming core intelligent agents including consumer protection, compliance, asset management, operation, risk, decision-making, research and development, as well as several office intelligent agents, deeply empowering various business sectors to improve quality and efficiency. Based on the deep application of big models and intelligent agents, Zhaolian improves service efficiency and reshapes user experience through technological innovation, deeply excavates consumer potential through intelligent services, and unleashes market vitality.

In terms of cultivating scientific and technological talents, Zhaopin continues to increase investment in science and technology, and currently the proportion of R&D personnel in the company exceeds 60%. In order to maintain technological foresight, the China Merchants Association systematically tracks the cutting-edge trends of artificial intelligence and evaluates the effectiveness of internal applications through the internal monthly learning project "Journey to the West". At the same time, the Zhaopin actively establishes deep cooperative relationships with universities and research institutions, strengthens the integration of industry, academia, and research, jointly focuses on key technological breakthroughs, promotes efficient transformation of innovative achievements, and strengthens the construction of a talent training system that integrates science and education. At present, CFTC has been approved to set up a post doctoral innovation practice base in Shenzhen, and has established joint laboratories with scientific research institutions and universities such as the Chinese Academy of Sciences Shenzhen Advanced Technology Research Institute, Sun Yat sen University, and the University of Science and Technology of China to jointly tackle cutting-edge topics such as artificial intelligence, big data, and contribute wisdom and strength to the development of the industry.

The National Day of Science and Technology Workers has gone through its first decade, which is also a new starting point for moving towards a technological powerhouse. In the first year of the 15th Five Year Plan, technological innovation has been placed at an unprecedented core position. As the first company in the industry that focuses on technology personnel entrepreneurship, Zhaopin has worked hand in hand with a large number of technology workers to promote high-quality business development and provide practical experience for the digital transformation of the industry. In the current era where technology has become the core driving force of the industry, Zhaopin will always adhere to the concept of "using technology to practice inclusiveness, and making credit live up to expectations". Along with thousands of developers, we will deeply cultivate cutting-edge technology, overcome industry development bottlenecks, and continuously inject momentum into high-quality development.