人人AI时代：一家数字银行如何让机器学会“思考+行动”？

Core Insights - The article emphasizes the increasing policy support for artificial intelligence (AI) as a core component of national strategy, particularly in the financial sector, with a focus on the "AI+" initiative outlined in the 2025 Government Work Report [1][3] - The event "2025 Financial Deep Cultivation AI Leading Future" organized by Xinwang Bank and "China Financial Computer" magazine aims to foster collaboration and exchange among financial institutions regarding AI applications [1][3] Group 1: AI Implementation in Banking - Xinwang Bank has initiated its AI exploration since its inception, focusing on the integration of AI technologies into banking operations [3][4] - The rise of large models in 2023 has prompted Xinwang Bank to adopt foundational large models, leading to the introduction of AI Agents in 2024, which have transformed the industry ecosystem [3][4] - The bank's "Zhiying AI+" strategic upgrade aims to ensure that every employee can easily utilize AI tools across various departments [3][4] Group 2: Technical Foundations for AI - The successful application of AI at Xinwang Bank relies on robust underlying technology, including AI application architecture and key technical safeguards [5][7] - The bank has integrated mainstream technologies with cloud-native capabilities for flexible resource allocation and established intelligent inspection mechanisms for data governance [7] - A comprehensive compliance system has been developed to manage risks associated with AI applications, ensuring adherence to regulatory requirements [7][9] Group 3: Business Impact of AI - AI has significantly enhanced risk decision-making capabilities at Xinwang Bank, improving risk certification efficiency by 30% through better analysis of risk features [9][10] - The bank has developed a smart customer service system that combines small and large models, achieving 24/7 coverage and improving response efficiency for customer inquiries [9][10] Group 4: Future Directions for AI - Xinwang Bank plans to deepen knowledge management by creating an enterprise-level knowledge base to facilitate quick access to information for employees [10][11] - The bank aims to develop a smart indicator system using no-code and low-code tools to lower the barriers for AI application in business processes [10][11] - The management of "digital employees" will be a focus, ensuring compliance and effective collaboration between human employees and AI agents [10][11]