The final competition and award ceremony of “2025 The 5th Fintech Innovation Competition for Macao College Students of the “ICBC Cup” Fintech Innovation Competition for National College Students”, held by the Industrial and Commercial Bank of China (ICBC) and organized by ICBC Macau, was held on November 19, 2025. Three teams from Faculty of Finance of the City University of Macau (CityU) achieved remarkable results in the competition. Students Chuanzhen Weng, Simo Li, and Miaoxin Deng were awarded the first-prize for their project titled “Qing Kui Bao – A Dynamic Intelligent Risk Control-based Platform for Empowering Youth Financial Literacy". The second team, composed of students Qizong Zeng, Xinzheng Yue, and Zihan Liu was awarded the third-prize for their project titled “Greater Bay Area E-Enterprise Connect – An ICBC-based Integrated 'Cross-border Supply Chain Loan + Settlement' Platform for SMEs in the Guangdong-Hong Kong-Macao Greater Bay Area". The third team, composed of students Haojie Chen, Yixin Zhong, and Kexin Piao received an honorable mention for their project titled “Design of an ESG Information Disclosure Analysis and Greenwashing Detection System Based on Large Language Models". Additionally, Assistant Professors Dr. Cai Liu and Dr. Lu Liu from the Faculty of Finance also received the Outstanding Advisor Award.
The first-prize project, "Qing Kui Bao", is a dynamic intelligent risk control-based platform designed to empower youth financial literacy. It aims to address practical issues faced by China's 180 million K-12 students, such as the lack of financial tools, disconnection from financial literacy education, and insufficient consumption guidance. Inspired by the meaning of "Lush Sunflowers in the Garden," the platform leverages ICBC's financial ecosystem to create a safe, fun, and efficient financial practice and learning environment for middle and high school students. Through a "parent-held" account model, it allows teenagers to gain financial permissions, engage in gamified financial literacy challenges, and participate in simulated investment experiments, fostering wealth management concepts in real-life scenarios. Its core "Growth Guardian" risk control engine innovatively integrates RBAC and ABAC models, achieving a shift from static management to context-aware dynamic risk control. This grants teenagers appropriate financial autonomy while enabling intelligent supervision and parent-child interaction through a parent-side "cockpit." The platform also uses big data to build user profiles, pushing personalized financial literacy content and AI-generated weekly reports, forming a closed-loop service system integrating "finance, risk control, education, and parent-child interaction." The project not only opens up the blue ocean market of youth customers for ICBC and locks in future clients but also empowers education through technology, systematically enhancing youth financial literacy and achieving an organic unity of commercial value and social responsibility.
The third-prize project, "Greater Bay Area E-Enterprise Connect", is a comprehensive cross-border supply chain service platform for Small and Medium Enterprises (SMEs) in the Guangdong-Hong Kong-Macao Greater Bay Area, built upon ICBC. It integrates "cross-border loan + settlement" capabilities into a single-entry point, providing a one-stop solution for financing and payment collection in cross-border trade. By connecting data from various parties such as customs, taxation, foreign exchange, banks, e-commerce, and logistics, and utilizing tools like bill OCR, AI intelligent risk control, and dynamic monitoring integrating "Four Flows in one", the platform accurately reconstructs trade backgrounds and capital paths. This helps enterprises achieve "obtaining credit based on orders, online instant approval, and full-process visibility and control," effectively enhancing the convenience, security, and compliance of cross-border financing for SMEs.
The honorable mention project, "ESG Information Disclosure Analysis and Greenwashing Detection System Based on Large Language Models", can automatically identify risk statements in corporate disclosures, providing banks, regulators, and fund institutions with an efficient and intelligent tool for green financial auditing.
Lasting for three months, the competition attracted 234 participants who submitted 85 projects covering various fields such as artificial intelligence, green finance, cross-border finance, digital currency, and anti-fraud. After intense competition, 16 projects successfully advanced to the finals.
Here are the Students' sharing about winning the award:
"Qing Kui Bao – A Dynamic Intelligent Risk Control-based Platform for Empowering Youth Financial Literacy"
Team Members: Chuanzhen Weng, Simo Li, Miaoxin Deng
Advisor: Assistant Professor Dr. Cai Liu
We are deeply honored to receive this award. We sincerely thank ICBC Macau for organizing this competition platform, as well as the faculty for its cultivation and Assistant Professor Dr. Cai Liu for his careful guidance. This honor belongs to every member of our team and is the fruit of our joint efforts. Our project aims to empower youth financial literacy, and this award is a great encouragement for our practical exploration in FinTech innovation. We will take this as motivation to continue exploring FinTech in the future and contribute our youthful strength to the appropriate economic diversification development of Macau.
"Greater Bay Area E-Enterprise Connect – An ICBC-based Integrated 'Cross-border Supply Chain Loan + Settlement' Platform for SMEs in the Guangdong-Hong Kong-Macao Greater Bay Area"
Team Members: Qizong Zeng, Xinzheng Yue, Zihan Liu
Advisor: Assistant Professor Dr. Lu Liu
Our team is deeply honored to receive this honor in the current "ICBC Cup" competition. We thank the Faculty of Finance for its support and our advisor, Assistant Professor Dr. Liu Lu, for her careful guidance, as well as the Data Science teacher for their valuable suggestions. Our project focuses on the financing difficulties faced by SMEs, striving to combine financial theory with the needs of the real economy and explore practical service paths. "Knowledge gained from books is superficial at best; to understand something thoroughly, one must practice it personally." This practical experience has given us a deeper understanding of this saying. Finally, we sincerely thank City University of Macau for its encouragement and support of students participating in external academic competitions.
"Design of an ESG Information Disclosure Analysis and Greenwashing Detection System Based on Large Language Models"
Team Members: Haojie Chen, Yixin Zhong, Kexin Piao
Advisor: Assistant Professor Dr. Lu Liu
We are very honored to receive an award in this "ICBC Cup" Macau University Student FinTech Innovation Competition. During the competition, we continuously refined our technical solutions, going through extensive discussions and iterations from data processing and model fine-tuning to application scenario design. We also learned a lot of practical experience in FinTech, green finance, and the engineering of large language models. We especially thank our advisor, Assistant Professor Dr. Lu Liu, for her careful guidance throughout the entire project. She not only helped us improve the technical framework but also encouraged us to keep breaking through in innovative directions. At the same time, we also thank City University of Macau for its cultivation and assistance in terms of scientific research resources, competition support, and the academic environment.