清华大学经济管理学院中国金融研究中心主任陆瑶：技术赋能正为银行业信用体系建设构建完整价值闭环

Core Insights - The "2025 Banking Industry High-Quality Development Conference" was successfully held, focusing on key themes such as serving the real economy, digital transformation, AI+ financial innovation, and risk prevention [1] Group 1: Challenges in Banking Industry - The application of AI and big data in the banking sector faces four major challenges: 1. Limitations in computing power and platform capabilities, particularly affecting small and medium-sized banks [3] 2. The contradiction between data silos and privacy protection, making it difficult to balance effective data utilization with security [3] 3. A shortage of composite talents who are proficient in both finance and AI technology, hindering the implementation of technological advancements [3] 4. The emergence of new risks related to technology application, including insufficient algorithm disclosure and ethical issues, which raise the bar for risk management [3] Group 2: Proposed Solutions - To address these challenges, the industry should establish a multi-dimensional support system through five key pathways: 1. Develop green AI that aligns technological advancement with energy-saving and emission-reduction principles [4] 2. Strengthen data infrastructure to eliminate data barriers and provide robust support for technology applications [4] 3. Increase the cultivation of composite talents, with institutions like Tsinghua University exploring deep integration of AI and finance in talent training [4] 4. Create effective risk management loops that ensure compliance and ethical review while leveraging technological benefits [4] 5. Build a virtuous cycle ecosystem among technology, industry, and finance to continuously inject momentum into financial resources for innovation and social development [4]