Zheng Quan Ri Bao Zhi Sheng·2025-12-28 10:42Core Viewpoint - The integration of AI technology in the financial industry is unprecedented, fundamentally reshaping the operational logic and development paradigm of finance [1] Group 1: AI Integration in Finance - The trend of "AI + Finance" is irreversible, and banks must adapt to the future of the intelligent economy by creatively applying new technologies and innovating products and services [1] - Banks should focus on three directions: building a strong technological foundation, leading applications, and innovating operational models to inject intelligent momentum into high-quality development [1] Group 2: Strategic Directions for AI Application - Strengthening infrastructure is crucial for promoting AI applications, requiring coordinated resource investment to solidify the foundation for cloud, data, intelligence, and blockchain [2] - AI technology should be applied at scale, targeting business pain points and focusing on high-value scenarios to create benchmark AI applications that serve the real economy [2] - A shift in mindset is necessary to innovate operational models, emphasizing customer-centric approaches and utilizing dynamic data to provide personalized services [2] Group 3: AI Governance and Talent Development - Strengthening AI governance is essential for ensuring safe, stable, and sustainable development in the financial sector [3] - It is important to combine technological transformation with institutional optimization, establishing suitable systems and mechanisms [3] - Developing a talent pool that combines business insight, technical understanding, and data thinking is critical for bridging the gap between business and technology [3] - The fundamental principle is that humans must remain the key decision-makers in AI applications, ensuring that technology enhances efficiency while maintaining the warmth and responsibility of financial services [3]