SPD BANK(SH:600000) Xin Lang Cai Jing·2025-12-28 09:30Core Viewpoint - The 2025 Annual Meeting of the China Wealth Management 50 Forum emphasizes the theme of "Towards a Financial Power during the 14th Five-Year Plan," highlighting the critical role of artificial intelligence in reshaping the global economic and financial landscape [1][6]. Group 1: Key Upgrades in the Financial Industry - The financial industry must undergo three key upgrades to fulfill its historical mission during the 14th Five-Year Plan: 1. Role upgrade from being a "stabilizer" of the economic cycle to a "incubator" of new productive forces [3][8]. 2. Model innovation shifting from scale-driven broad services to intelligent-driven precise responses, utilizing digital technology for better insights into industrial, innovation, and financial chains [3][8]. 3. Momentum upgrade from isolated AI applications to core-driven strategies, making deep AI application a necessity for competitive advantage [3][8]. Group 2: AI Integration in Financial Services - The deep integration of AI and finance is fundamentally changing the value creation logic in the financial industry, reflected in three dimensions: 1. AI reconstructs service models, enhancing understanding of customer needs across their entire lifecycle and various scenarios [4][9]. 2. AI transforms risk control paradigms through real-time analysis of vast multidimensional data, enabling early warning and proactive risk prevention [4][9]. 3. AI promotes financial inclusivity by reducing costs associated with service delivery and risk identification, effectively extending financial services to the grassroots of the real economy [4][9]. Group 3: SPDB's AI Development Strategy - Shanghai Pudong Development Bank (SPDB) is advancing its "AI + Finance" strategy through an engineering mindset, launching the "Artificial Intelligence Implementation Action Plan (2026)" to build a comprehensive intelligent foundation consisting of computing power, algorithms, platforms, and knowledge [5][10]. - SPDB aims to accelerate its digital transformation and actively integrate into a diversified financial technology ecosystem, supporting a virtuous cycle of "technology-industry-finance" [5][10]. Group 4: Collaborative Ecosystem - SPDB adheres to the principles of openness, sharing, and win-win cooperation, striving to build and integrate a diverse financial technology ecosystem through cross-industry collaboration with technology firms and academic institutions [5][10]. - The bank is committed to creating a new ecosystem of "AI + Finance" that fosters technology sharing, scenario co-creation, and value co-existence, empowering the digital transformation of various industries and contributing to the establishment of a financial power [5][10].