AI如何重塑银行服务？网商银行提出“新310”模式

Core Insights - The core message of the news is that Wangshang Bank is leveraging AI technology to enhance its services in credit, wealth management, and marketing, with a long-term goal of becoming the AI CFO for millions of small and micro enterprises over the next decade [1][4]. Group 1: AI Applications in Credit - Wangshang Bank aims to create an "AI Credit Expert" to facilitate online approval for medium to large loans, ensuring stable credit limits [4]. - The AI Credit Expert is supported by two AI assistants: a research assistant that analyzes industry reports and a due diligence assistant that assesses business operations through various communication methods [4]. - After five months of practice, the consistency rate between AI credit decisions and human approvals increased from 39% to 90%, validating the reliability of the AI model [4]. Group 2: AI Applications in Wealth Management - In wealth management, Wangshang Bank is introducing tools like the "Intelligent Redemption Operation Engine" to help investment managers enhance the stability of returns for cooperative institutions [6]. - The Intelligent Redemption Operation Engine predicts user redemption behaviors, helping managers optimize liquidity and investment timing, resulting in a 5 basis point reduction in return volatility compared to market averages [6]. Group 3: AI Applications in Marketing - Wangshang Bank is shifting its marketing strategy from a one-size-fits-all approach to personalized marketing using AI, aiming for "one strategy per person" [5]. - The AI marketing initiative has reached over 23 million users, achieving a 90% effective engagement rate and a 19.5% increase in user satisfaction [5]. - The bank's president emphasized that the goal of AI application is not to replace humans but to empower each individual to provide better service and create incremental value [5].