从布局“AI+”到迈向AI原生银行 恒丰银行谋系统化进阶

Core Insights - Hengfeng Bank is actively responding to the "Artificial Intelligence +" initiative, aiming to transform AI from isolated applications to systemic integration, thereby enhancing business value and competitive differentiation [1][2][4] Group 1: AI Integration and Strategy - The bank has implemented over 70 AI application scenarios and launched 12 types of intelligent agents across six key areas, achieving significant breakthroughs in operations, risk control, and credit [1][2] - Hengfeng Bank's strategy focuses on "full-chain empowerment," leveraging AI to enhance business value through deep engagement with specific business scenarios and customer lifecycles [1][4] - The bank aims to become an "AI-native bank," moving beyond mere tool application to fundamentally reconstruct business processes, product design, and service models [1][4] Group 2: Five Engineering Foundations - Hengfeng Bank is advancing five key engineering projects: organization, application, knowledge, model, and computing power, which are essential for the comprehensive penetration of AI [2][3] - The organization engineering establishes a governance framework led by the bank president, facilitating agile decision-making and breaking down departmental barriers [2] - The application engineering focuses on driving business value through iterative AI applications across nine business areas, achieving over 1,600 person-days in efficiency gains [2][3] Group 3: Knowledge and Model Development - The bank has initiated a "full data communication" enterprise-level data governance project to elevate data from a resource to an asset, addressing common industry challenges [3] - Hengfeng Bank is building a localized model matrix based on open-source large models, ensuring reliable evolution of capabilities through innovative model engineering [3] - A hybrid heterogeneous computing power platform has been established to support AI applications, with plans to increase total computing power to over 100 PFlops by 2026 [3] Group 4: Business Transformation through AI - The bank's AI practices have led to quantifiable improvements in operations, risk control, credit, and marketing, marking a significant step towards becoming an "AI-native" institution [4][5] - The "Hengyun AI Answer" project has created a knowledge base of over 2 million words, achieving a 97.8% accuracy rate in operational knowledge queries, saving over 180 person-days monthly [4] - AI has transformed the credit process, reducing the due diligence report generation time from an average of 10 days to just 2 days, allowing client managers to focus on analysis and value extraction [5] Group 5: Digital and AI Synergy - Hengfeng Bank's AI applications are deeply integrated with its ongoing digital transformation efforts, enhancing efficiency and creating a new financial service ecosystem [6][7] - The bank's digital supply chain finance brand "Hengrong E" has issued over 20 billion yuan in loans, serving over 5,000 supply chain clients [6] - The implementation of RPA technology has saved over 1,600 hours of labor monthly, significantly improving operational efficiency [6] Group 6: Risk Management and Compliance - The bank is accelerating the construction of an intelligent risk control platform to establish a comprehensive customer risk view and automated risk control mechanisms [7] - The green finance intelligent identification system enhances the efficiency of green loan services, showcasing AI's role in risk and compliance areas [7] - Hengfeng Bank's performance metrics reflect the positive impact of AI and digitalization, with steady asset growth and improved profitability [7]