Hua Xia Shi Bao·2025-10-24 10:04Core Insights - The core focus of the event was on upgrading corporate digital financial services through AI and technology, aiming to enhance the overall service ecosystem for enterprises and support high-quality development of the real economy [1] Group 1: Inclusive Digitalization - The bank aims to break down service barriers by integrating AI and digital technologies to provide inclusive financial solutions, addressing industry pain points such as cost, risk, and scale [2] - New digital tools for small and medium-sized enterprises (SMEs) include free basic financial services upon account opening and fully online processes for products like "Science and Technology Loan" and "Enterprise Loan," significantly reducing costs and difficulties for businesses [3] Group 2: Intelligent Financial Services - A layered service matrix centered around "AI Xiao Zhao" has been developed to provide tailored digital assistants for different roles within enterprises, enhancing operational efficiency and decision-making [4] - The bank's online services have enabled enterprises to independently activate 2.5 million product functions, with 300,000 letters of guarantee issued and 70,000 clients served by AI Xiao Zhao since its launch [4] Group 3: Scenario-Based Financial Solutions - The bank has introduced customized financial service solutions that integrate industry and scenario-specific needs, particularly in the automotive and consumer sectors, to enhance supply chain collaboration [5][6] - In the automotive sector, the bank offers comprehensive financial solutions that address the entire supply chain, including global fund management and innovative financing products for suppliers [5] Group 4: Treasury Management - The bank has established a multi-tiered treasury management cloud system to support the diverse needs of group and global operations, with a focus on scenario-based, global, intelligent, and platform capabilities [7] - The new "Smart Treasury" product enhances service capabilities across four dimensions, including scenario-based services, global operations, intelligent services, and platform support [8][9] Group 5: Operational Efficiency and Risk Management - The bank aims to improve operational efficiency through comprehensive account management, payment processing, and financial resource management, creating a unified governance ecosystem for all financial resources [10] - A unified data platform has been developed to support intelligent decision-making and risk management, ensuring real-time monitoring and response to anomalies [11] Group 6: Customer-Centric Approach - The service upgrade is driven by customer feedback, with over 13,000 effective suggestions received from 180,000 clients, highlighting the bank's commitment to listening to customer voices [12] - The bank emphasizes the importance of technology and business team collaboration, aiming to create an exceptional customer experience while contributing to the digital transformation of enterprises [12]