海尔消金首席信息官梁树峰发表主题演讲

Core Insights - The event "AI Leading Enterprises Chongqing Tour and Western Financial Center Night" was organized by the Central Radio and Television Station, highlighting the importance of AI in the financial sector [1] - Haier Consumer Finance's CIO Liang Shufeng emphasized that financial technology has entered a new era driven by AI, transitioning from efficiency enhancement to value reconstruction [3][4] Industry Evolution - Financial technology has evolved through four stages: 1. Online service migration using cloud computing and the internet (1.0) 2. Digitalization through data platforms and machine learning for precise marketing and risk decision-making (2.0) 3. Integration of AI tools like intelligent customer service and biometric recognition (3.0) 4. Current 4.0 stage where AI is fully integrated into business processes, enhancing decision-making and organizational relationships [3][6] AI's Role in Financial Services - AI is no longer just a tool but a core driver of new business models, fundamentally changing the logic of financial services and shifting the industry from labor-intensive to intelligence-intensive [4][5] - The Central Economic Work Conference has identified "AI+" as a key task for 2024, emphasizing its significance in promoting high-quality development in the financial sector [4] Impact of Large Models - Large models in AI are driving unprecedented changes in the financial industry, improving inclusive finance, risk control, and customer service capabilities [5][6] - Three breakthroughs from large model technology include: 1. Enhanced data utilization with zero information loss through multi-modal data integration 2. Significant efficiency improvements, reducing manpower costs from 8 person-months to 0.5 person-months 3. Overcoming the limitations of traditional expert models by discovering hidden data correlations for superior decision-making [6][7] Haier Consumer Finance's AI Strategy - Haier Consumer Finance is implementing an "AI First" strategy focusing on three main areas: 1. Building a dual model architecture for AI capabilities 2. Integrating AI across customer acquisition, risk control, and customer service 3. Promoting AI training for all employees to enhance operational efficiency [7][8] - The company has upgraded its intelligent customer service to a voice model, achieving an 80% handling rate for common inquiries and reducing human costs by 40% [7][8] Future Outlook - Haier Consumer Finance aims to continue exploring new possibilities in financial services during the silicon-based era, leveraging AI as a central element [9]