经济热力站丨AI科技+数据双擎驱动，北京银行打造数智化新体验

Core Insights - Beijing Bank is leveraging technology and artificial intelligence to enhance its digital transformation and create a new banking landscape [1][2] Group 1: Retail Business - Beijing Bank has surpassed 32 million retail customers and aims to enhance service and growth through digital operations [1] - The bank has developed a digital operation framework called CPCT²R, which focuses on delivering appropriate financial products through suitable channels to different customer segments [1] Group 2: Corporate Business - After three years of digital transformation, Beijing Bank has established a digital financial technology service capability system consisting of 75 physical systems, covering various business scenarios such as deposits, loans, and payments [1] - The bank has implemented an "smoke index" risk warning system that utilizes over 300 warning signal rules to manage risks throughout the entire lifecycle of lending [1] Group 3: Digital Transformation - Beijing Bank's digital transformation has entered the 2.0 phase, focusing on comprehensive digital operations and deep integration of artificial intelligence with business [2] - The bank has created a self-developed system driven by "large models" and "general models," enhancing its capabilities in traditional technologies such as voice, semantics, and images [2] - The artificial intelligence platform supports the delivery of all business projects across the bank, aiming to improve customer service experiences and optimize product processes [2]