中国消费金融数字化发展分析.pdf

Confidential?and?Protected?by?Copyright?Laws?202220222?2022/5/23?l?APP?够?APP?BAT?l?务?l?务?Analysys?l?务?l?告?CONTENTS01020304?015?2022/5/23?l 2022?1?7?够?2022?2025?研?l?够?研?研务?务?务?研?研务?务?务?6?2022/5/23?l?研?够?务?尽?l?够?33?务?尽?100%83%100%83%100%57%88%100%100%0%20%40%60%80%100%120%割?2021?匹?研?研?/?157314480123456789割?2021?割?割?研?7?2022/5/23?l?研?研?2021?1%?副?2%?l?割?副?5.9%8.7%9.6%13.0%24.6%30.2%5.8%2.2%2020?5.9%8.8%10.8%13.1%23.3%29.8%5.9%2.4%2021?研?的?.?研?8?2022/5/23?l?研?研?APP?2022?4?务?APP?10.4?副?APP?告?尽?导?1020001025001030001035001040001045001050002021.042021.052021.062021.072021.082021.092021.102021.112021.122022.012022.022022.032022.0420212021-20222022?APPAPP?APP?研?05001000150020002500300035004000450050002021.042021.052021.062021.072021.082021.092021.102021.112021.122022.012022.022022.032022.0420212021-20222022?APPAPP?APP?研?0210?2022/5/2320212021?l 2022?副?尽?尽?尽?l?副?1500?159?副?100?30.63?1497?611?618?444?543?156?48?110?79?159?100?84?57?53?21?7?7?6?31?14?22?12?8?2?2?1?1?02004006008001000120014001600?务?务?20212021?研?11?2022/5/23?l?副?尽?尽?务?尽?/?/?/?2021?尽?12?2022/5/23?l?2021?27?的?30?2021?2?6?务?50.1%?2021?3?2021?6?80?务?50%?2021?7?3.55%?3995.88?3596.292?2021?9?撑?15000?2021?10?38.6896?100?2021?12?70%?10.91?2021?12?10.91?70%?2022?1?务?2022?3?8.5?10?2022?3?3.88?41%?2022?3?2022?3?2022?4?务?研?13?2022/5/23?l?2022?研?副?尽?370?尽?l?研?研?50%?尽?研?务?37014213080263625117132384123050100150200250300350400?务?务?务?尽?尽?务?务?务?研?研?纸?研?研?纸?研?14?2022/5/23?l?研?割?“?+?+?”?NLP/OCR?副?副?100%?+?副+?Saas?“?+?”?络?ESG?名?OPPO?副?副?+?+?100?200?15?2022/5/23?l?2021?2020?务?务?副?10000?1.31%?割?186.18132.9187.575.3773.8363.6457.86167.07119.1257.2469.2646.8248.5551.53.07%4.37%3.25%3.68%4.36%2.88%3.79%2.95%4.45%2.85%3.56%3.05%2.39%3.61%0.0%0.5%1.0%1.5%2.0%2.5%3.0%3.5%4.0%4.5%5.0%020406080100120140160180200务?务?2020-2021?2021?2020?2021?2020?研?12873100434539428690003303236176968882397641908500233119654.20%9.69%5.03%7.73%6.69%6.45%5.11%2.49%9.77%4.38%7.60%6.32%4.82%4.24%0%2%4%6%8%10%12%02000400060008000100001200014000务?务?2020-2021?2021?2020?2021?2020?研?研?16?2022/5/23?l?尽?副?70%?尽?50%?副?割告?副?尽?70%50%50%50%50%0%10%20%30%40%50%60%70%80%?务?务?20212021?尽?尽?务?务?尽?尽?研?务?50%?务,?2.1%?副?BOSS?副?务?务?研?WEB?尽?副?副?尽?副?副?尽?务?研?17?2022/5/23?l?割?研?10?模?24?48?35.3%?88.40%11.60%?研?52.90%11.80%35.30%?模?模?10?10?30?24?48?研?18?2022/5/23?RPARPA?l?OCR?AI?RPA割?务?撑练?CoE?务?割?RPA?RPA?NLP?OCR?ML?RPARPA?RPA?的?的?RPA?务?CoE?够?够?ROI?姿?务?CoECoE?务?务?CoE?RPA?CoE?CoE?CoE?RPA?导?导?RPA?姿?导?导?RPA?RPA?RPA?纸?AI?姿?姿?/?宇?宇?1宇?宇?2RPA?1RPA?2宇?宇?3RPA?3?19?2022/5/23?RPARPA?l?尽?副?尽?RPA?尽?群?RPA?研?纸?群?纸?NLP?OCR?研?模?纸?AI?副?20?2022/5/23?l?务?务?割?务?67.4%?57.10%42.90%?90.70%9.30%?82.90%17.10%?62.80%37.20%?67%58%58%54%49%37%0%10%20%30%40%50%60%70%80%?研?21?2022/5/23?l?研?70%?研务?研?研?研?研?研?研?研?务?研?割?割?70%20%10%?研?研?l?l导?导?l?l?务?务l?l?l?l?研?研?l?l?l?l?务?务?研?研?研?研?愿?22?2022/5/23?l?尽?研?研割?A?B?务?务?务?尽?Y?IDIDY YX0X0ID1Y1X01ID2Y2X02IDIDX1X1X2X2ID1X11X21ID2X12X22?X?夯?A?研?B?研?B?A?A?尽C?B?2 21 14 45 57 76 61 14 46 63 37 723?2022/5/23?l?研?务?研?研?研?l?研?导?割?研?研?研?研?2431372333273153.33%68.89%82.22%51.11%73.77%60.00%68.89%0%10%20%30%40%50%60%70%80%90%0510152025303540?2021?研?研?研?2934382636164.44%75.56%84.44%57.78%80.00%2.22%0%10%20%30%40%50%60%70%80%90%0510152025303540?2021?研?研?研?研?研?24?2022/5/23?务?务?l?研?务?研务?导?研务?研务?务?务?研?研务?5-10?/?15-30?/?1.?2.?/?务?/?/?/?3.?研务?4.?UPS?HVDC?研务?研?+?研务?研务?研务?研务?研务?研?AI?研?务?务?研务?模?模?匹?研务?务?研务?务?务?T T4 4?匹?研务?研?T3?T2+?研务?ITILITIL?ITIT?匹?研务?SRE?DevOps?研?务?25?2022/5/23?l?尽?研?研?研?研?撑?研?研?研塑?-?研?研?研?1?研?2?研?3?1?研?2?研?1?1?研?研?1?226?2022/5/23?l?7?割?务?副?研?AI务?AI?3?33313522382019375.00%70.45%79.55%50.00%86.36%45.45%43.18%6.82%0%10%20%30%40%50%60%70%80%90%100%0510152025303540?2021?研?282826463.64%63.64%59.09%9.09%0%10%20%30%40%50%60%70%051015202530?AI务?AI?2021?研?27?2022/5/23?AIAI?l?够?AI?务?够?割?纸?TensorFlowCaffe2PyTorthTorthnet?AI?纸?纸?研?模?AI?务?研?AI?AI?够?够?AI?AI?AI?AI?研?2021?28?2022/5/23?l?务?ESG?副?务?务?模?务?筛?务?务?研?研?覆?ESG?研?ESG?+?务?研?2019?筛?研?研?筛?ESG?ESG?纸?纸?ESG?务?ESG?研?纸?1 1?2 2?姿?姿3 3?的?的?纸?研?模?模?纸?研?纸?模?.29?2022/5/23?ESGESG?l?ESG?尽?ESG?尽?ESG?尽?尽?映?尽?络?尽?ESG?夯?尽ESG?ESGESG?尽?导?+?+?2021?12?1.5?91.19?10%?2021?8?2020?200?1570?2021?12?ESG?络?务?知?络?模?确?研?纸?0331?2022/5/23?l?副?研?N?-?-?名?名?研?研?务?愿?匹?AI?愿?愿?导?导?导?导?姿?研+?10?200?研?32?2022/5/23?2.02.0?l?副?+?+?络?络?副?副?2021?络?愿2.0?2021?络?20%20%+?9999%+%+?27782778?+?络?络?络?络?络?愿?络?愿2.02.0?络?络?络?5+1?1?5?络?络?络?络?研?AI?AI?络?32633263?+?络?络?430430?+?2021?12?0.50.5%?愿?研?AI?愿?AIAI?愿?研?AI?AIAI?研?研?姿?研?RFID?研?33?2022/5/23?l?ABCD?3O?务?500?导?研?研10?研?FISCO BCOS?WeIdentity?100?98%纸?撑ABCDABCD?A?B?C?D?研5050%?研?研?APIAPI?SDKSDK?H H5 5?APIAPI BankingBanking?We2000?App?APP?副?/?APP?34?2022/5/23?l?IT?副割?副?l?割?割?研?研?1A?B?C?1?2?2D?E?F?3?3G?H?I?1?2?3?MasterSlaveSlave?1?2?3MSSMSSMSS?1?2?3MSSMSSMSSMSSMSSMSS?1?2?335?2022/5/23?TOP+2.0?TOP+2.0?l 2021?TOP+?副?TOP+2.0?(T)?(O)?(P)?(+)?务?研务?务?务?研务?研?务?副?模?模?模?研?研?模?模?研?研?研?研?37?研?AI?NLP?271?16?40?匹?匹?模?模?务?2021?102?96?务?研务?务?务?研?研?研?研?务?撑?撑?(T)?(O)?(P)?(+)?研?纸?TOP+2.0TOP+2.0?36?2022/5/23?AppApp?l?App?+?2022?3?4200?+?+?App?42004200?15001500?210210?1818?送?赠?筛?络?+?+?务?APP?APP务?App?纸?APP?37?2022/5/23?3.03.0?l?3.0?研?模?务?副?AI?9200?务?务?研务?研务?77950?91.5m?模?CFCA?务?务?务?务?务?务?务?API?撑?研?研?模?研?IT?研?副?副?.?确?App?名?API?送?38?2022/5/23?l?副?副?副?尽?副?研?副?模?务?1?APP?2?1?模?2?IP?KOL?IP?IP?1?APP?纸?2?纸?80%?1?2?研务?研?1?2?研?研?1?研?研+?+?+?2?研?3?4?1?的?2?确?纸?纸?1?导?纸?2?1?模?务?务?研?2?务?研务?APP?名?API?0440?2022/5/23?l?2019?2021?尽?副?务?尽?研?AI?101116024681012141618201920202021?尽?201920202021?研?纸?研?务?研?研?研?研?纸?API?SDK?H5?VR/AR?VR/AR?41?2022/5/23?l?研?研?研?研?研?研?研?研?研?研?研?研?研?研?研?研?研?研?研?研?研?研?研?研?研?宣?研?研?研?纸?研?研?纸?研?研?+?研?研?模?研?务?务?模模?务?研?研?研?研?研?研?研?研?研?研?模?研?研?研?纸?研?研?研?研?研?研?研?42?2022/5/23?l?务?纸?模?ESG?ESG?务?ESG?ESG?研?研?研?ESG?务?ESG?夯?ESG?撑?纸?ESG?筛?纸?筛?筛?研?筛?