Sou Hu Cai Jing·2025-08-26 12:00Core Viewpoint - The article emphasizes that technology, particularly AI, should enhance human-centered services in wealth management rather than serve as a mere gimmick. The focus is on creating value for clients through personalized and efficient service delivery [2][3][4]. Group 1: AI Strategy and Implementation - China Merchants Bank (CMB) has adopted an "AI First" strategy to become a leading intelligent bank, prioritizing AI capabilities in its operations [2][3]. - The bank's AI assistant, "AI Xiao Zhao," has evolved significantly, integrating advanced technologies to improve user experience and service efficiency [5][6]. - CMB's AI capabilities have been upgraded to enhance understanding of user intent and provide personalized recommendations, marking a critical step in its digital transformation [5][6]. Group 2: Wealth Management Achievements - CMB has achieved significant milestones in wealth management, with retail AUM exceeding 16 trillion yuan and insurance premium scale surpassing 1 trillion yuan [3][8]. - The bank's retail asset management strategy has accelerated, achieving the third 5 trillion yuan milestone in just over three years, showcasing its rapid growth [8][9]. - CMB's "TREE asset allocation service system" offers personalized investment advice, contributing to its leading position in the industry [9][10]. Group 3: Customer-Centric Approach - CMB emphasizes a customer-centric approach, providing tailored services that adapt to different life stages and financial needs [9][10]. - The bank's strategy focuses on long-term value creation rather than short-term gains, aligning with its core value of being a "value bank" [8][10]. - CMB's commitment to combining professional expertise with human care is seen as a key factor in successfully integrating AI into financial services [7][10]. Group 4: Collaborative Ecosystem - CMB has expanded its partnerships with over 160 collaborators to enhance its wealth management ecosystem, focusing on shared resources and improved user experiences [10][11]. - The bank's approach to collaboration aims to create a comprehensive wealth management ecosystem that benefits clients, employees, and partners alike [10][11]. - CMB's leadership emphasizes the importance of maintaining core principles in wealth management, such as investor-centricity and long-termism, amidst evolving market conditions [10][11].