Group 1 - The core objective of the company is to leverage AI to address real industry problems, with a 10-year strategic plan called "New 310" aimed at providing comprehensive user insights, personalized expert services, and real-time interactions, ultimately becoming the AI CFO for millions of small and micro enterprises [1] - The company aims to develop an "AI credit expert" to facilitate online approval for medium to large loans, ensuring stable credit limits, supported by two AI assistants: one for industry research and another for due diligence [1] - In the area of AI wealth management, the company plans to introduce tools like the "Redemption Intelligent Operation Engine" and "Capital Structure Adjustment Engine" to enhance the stability of returns for partner institutions, with the former already implemented in 14 institutions, reducing return volatility by 5 basis points compared to market averages [1] Group 2 - In AI marketing, the company is shifting from broad marketing strategies to personalized approaches, aiming for "one strategy per person" to enhance user engagement and satisfaction [2] - The company emphasizes that the application of AI technology is not about replacing human roles but empowering individuals to become "super individuals," enhancing the capabilities of ordinary credit officers, wealth managers, and marketing personnel to better serve users and create incremental value [2]
网商银行公布AI信贷、理财、营销新进展 提出“新310”模式
Zheng Quan Ri Bao Wang·2025-09-12 07:13