大模型开辟新路径 科技赋能金融业数字化转型新未来

Core Insights - The 7th China FinTech Forum held in Beijing focused on "Technology Empowerment - Digital Transformation and Application in the Financial Industry" [1] - The forum highlighted the integration of AI, big data, and cloud computing into the financial sector, emphasizing that digital transformation is now a necessity for the industry [1] - Key speakers discussed the importance of AI technology in enhancing operational efficiency and reducing costs in banking, while also addressing the risks associated with data and model usage [2][3] Group 1: Digital Transformation - Digital transformation is essential for sustainable development in the banking sector, as stated by the China Banking Association [1] - AI technologies, particularly large models, are opening new pathways for technological empowerment in banking, significantly improving asset organization efficiency [1] - The transformation of financial data into a core productivity resource is a primary goal of digital transformation in banking [1] Group 2: Risks and Challenges - The application of AI in commercial banks introduces new risks, particularly data and model risks, which impact operational resilience and business security [2] - Addressing the digital divide is crucial for the effective application of AI technologies in banking [2] - The rapid evolution of customer behavior poses significant challenges for banks, necessitating a strategic approach to align services with customer needs [3] Group 3: Strategic Measures - To tackle the challenges posed by AI and customer behavior changes, banks need to enhance their cognitive capabilities and implement systematic measures [3] - The focus should be on improving management efficiency and achieving high-quality operational growth through the deep application of AI technologies [3] - Collaboration among different AI models is essential to maximize their effectiveness while ensuring safety and compliance [2]