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左小蕾：金融活水润泽消费热土——一场政策、结构与技术共舞的经济大戏|财富领航征程_蜘蛛资讯网

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能对消费的影响，左小蕾指出：“人工智能的深度介入，正在重塑消费金融的价值链。”　　举例而言，平安集团通过大模型构建用户画像，实现“按需推送”替代盲目营销，获客成本降低35%；反欺诈系统拦截理赔欺诈34.2亿元，同比增长14%，AI技术使寿险保单秒级核保率达93%，闪赔占比56%，直接降低运营成本12亿元；新疆银行“丝路e贷”种植贷通过数字化风控模型+线下尽调，实现毫秒级风险响应，累计授信超28亿元

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