科技赋能 智慧闪耀 杭州银行奋力书写数字金融大文章

Core Insights - The fourth Global Digital Trade Expo was held in Hangzhou from September 25 to 29, showcasing Hangzhou Bank's innovative achievements in the integration of digital technology and financial services [1] - Hangzhou Bank has elevated digital transformation to a core strategic position, focusing on customer-centric value creation through digital thinking and AI technology [1] Digital Service Matrix - Hangzhou Bank launched a "Four Connections and Three Easy" digital product and service matrix, including "Financial Connection, Government Affairs Connection, Ticket Connection, Investment and Financing Connection, Exchange Easy, Salary Easy Treasure, and Easy Collection Profit" [2] - This system aims to provide comprehensive, one-stop financial solutions for corporate and institutional clients, enhancing management efficiency and optimizing operational processes [2] Smart Hall Experience - The bank introduced the Hongmeng Smart Hall solution, which integrates counter services, self-service machine management, and mobile business platforms into a comprehensive application system [3] - This solution enhances traditional business processing and service workflows, significantly improving the intelligent operation level and precise customer service capabilities of bank branches [3] Infrastructure Upgrade - Hangzhou Bank is enhancing its technology infrastructure with a focus on enterprise-level architecture, domestic production, and cloud-native architecture [4] - The new infrastructure includes cloud platforms, distributed databases, middleware, and big data technologies, forming a three-layer technical architecture that supports future information technology development [4] Intelligent Risk Control - The bank is building an intelligent risk control model driven by data, algorithms, and models, improving the quality and efficiency of risk management [5] - A unified risk control platform has been developed, ensuring smooth business processes and controllable risks throughout the credit lifecycle, with a non-performing loan rate of 0.76% as of June 2025 [5] - The bank aims to integrate AI, big data, and cloud computing into its financial services, providing robust financial support for high-quality development and digital transformation of enterprises [5]