中信百信银行大数据部总经理周北春： AI在银行的落地场景已从新技术尝鲜步入业务流程重塑阶段

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 - The General Manager of the Big Data Department at Citic Baixin Bank, Zhou Beichun, shared insights on the application of AI in intelligent risk control during a roundtable forum [3] - Citic Baixin Bank aims to leverage financial technology to break physical boundaries in banking services, providing simple and convenient online financial services to a broader customer base [3] - The bank has developed a four-layer digital risk control system, which includes data, risk feature mining, model construction, and real-time risk operation, achieving a commendable industry standard [3] Group 3 - Zhou Beichun emphasized that AI has transitioned from being a new technology to a new productive force in banking, indicating that it is likely to replace junior employees [4] - Two main challenges in AI application within banks were identified: computational power and the need for a fundamental change in AI training models [4] - AI is viewed as a highly intelligent and capable junior employee, and it should be assigned appropriate tasks for continuous development, particularly in intelligent risk control [4]