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 on September 10-11 in Beijing focused on "Technology Empowerment - Digital Transformation and Application in the Financial Industry" [1] - The forum gathered experts from regulatory, financial, technological, and academic fields to discuss key issues such as the implementation of large model technology, data security, and the transformation of traditional institutions [1] - Digital transformation in the banking sector is now considered a necessity rather than an option, driven by advancements in AI, big data, and cloud computing [1] Group 1: Digital Transformation - Digital transformation is essential for the sustainable development of the banking industry, as stated by the Secretary of the China Banking Association [1] - AI technologies, particularly large models, are opening new pathways for technological empowerment in banking, enhancing asset organization efficiency and reducing operational costs [1] - The transformation of financial data into a core productivity resource is a primary goal of digital transformation in the banking sector [1] Group 2: Risks and Challenges - The application of AI technologies introduces new risks for commercial banks, notably data risks and model risks, which significantly impact model application, business security, and operational resilience [2] - Addressing the existing digital gaps is crucial for the efficiency and effectiveness of AI applications in banking [2] - The rapid evolution of customer behavior poses a significant challenge for commercial banks, necessitating a better alignment between banking services and customer needs [3] Group 3: Solutions and Strategies - To tackle the challenges posed by AI, banks need to enhance their understanding, develop strategies, implement tactical measures, and strengthen process control and result orientation [3] - The emergence of large models has optimized methods for processing unstructured data, addressing the issue of information asymmetry in financial technology [3] - A systematic approach to deepening the application of AI technologies is essential for banks to meet new operational challenges and achieve refined management and high-quality development [3]