Xin Lang Cai Jing·2025-12-19 07:54Core Viewpoint - The 22nd China International Financial Forum emphasized the construction of an intelligent financial ecosystem in the digital economy era, with a focus on the significant mission of financial institutions to enhance technology finance, green finance, inclusive finance, pension finance, and digital finance [1][7]. Group 1: AI+Finance Strategy - Agricultural Bank of China views AI+Finance as a core engine to address business pain points and improve service quality, aligning with national strategies [3][9]. - The bank identifies three key considerations for implementing AI+Finance: correct understanding, adequate preparation, and precise application [3][10]. - AI+Finance is deemed an inevitable choice for the digital and intelligent transformation of the financial industry, essential for achieving the five major tasks [10]. Group 2: AI Application Framework - The bank has developed a comprehensive AI application capability system, summarized as "three ones" and "three principles," which includes one blueprint, one map, and one platform to support its capabilities [3][10]. - The "blueprint" outlines the integration of AI with banking operations, detailing methods, strategies, and paths for building a smart bank [4][10]. - The AI capability map provides a panoramic view of AI technologies and application scenarios, facilitating quick retrieval and implementation of AI solutions [11]. Group 3: Achievements in AI+Finance - In the smart agriculture sector, AI is used to address financial challenges in rural revitalization, utilizing satellite remote sensing and intelligent monitoring to convert agricultural assets into reliable data [5][12]. - In the inclusive finance sector, AI tools have enhanced efficiency and reduced manual input, with the bank's inclusive loan balance projected to reach 4.33 trillion by September 2025, serving over 5.23 million clients [5][12]. - AI has also improved marketing efforts by enabling precise customer identification and support for financial services, significantly reducing the workload for staff [5][12]. Group 4: Future Outlook - The bank emphasizes the importance of high-level security, quality data, and innovative AI applications in its ongoing development of smart banking [6][13]. - The commitment is to empower various financial scenarios with AI, contributing to high-quality financial development and supporting the vision of a strong financial nation [6][13].