百信银行周北春：AI成银行新质生产力 数字员工重塑风控体系

Group 1 - The "2025 Banking Industry High-Quality Development Conference" was successfully held in Beijing, focusing on themes such as serving the real economy, digital transformation, AI+financial innovation, and risk prevention [1] - The conference gathered regulatory experts, academic elites, industry leaders, and representatives from technology companies to discuss strategies for high-quality development in the banking sector [1] Group 2 - Zhou Beichun, General Manager of the Big Data Department at Citic Baixin Bank, shared insights on the application of AI in intelligent risk control, anti-fraud, and non-performing asset disposal during a roundtable forum [3] - Citic Baixin Bank, as the first state-owned direct bank and digital native bank in China, has positioned itself as an "AIBank," focusing on data and technology as core competitive advantages in the online, small-amount, high-frequency consumer finance business [3] - The bank has developed a four-layer digital risk control system over eight years, achieving a good industry standard, but faces challenges such as a limited model team of only 22 people managing over 200 quantitative models [3] Group 3 - Citic Baixin Bank aims to reshape its digital risk control system using AI, transitioning from merely experimenting with new technologies to reengineering business processes [4] - Zhou Beichun emphasized that AI has evolved from a tool to a new productive force, indicating that it will certainly replace junior employees in the banking sector [4] - The bank faces two main challenges in AI application: computational power and the need for a fundamental change in AI training models, advocating for treating AI as a highly intelligent digital employee rather than just a tool [4]