专访上海银行副行长胡德斌：“本体论”破局大模型应用关键梗阻

Core Insights - The banking industry is undergoing a significant digital transformation, entering a "deep water" and "tackling" phase, with a shift from initial online channels to data-driven and intelligent decision-making [4] - Shanghai Bank has successfully completed its "Smart Core Project," marking a new phase in its digital infrastructure with a fully autonomous core system [2] Digital Transformation Progress - The digital transformation in the banking sector has progressed to a stage where leading institutions are focusing on data asset operations and AI capabilities, while many smaller banks face challenges such as legacy systems and talent shortages [4][8] - Shanghai Bank's "Smart Core Project" has achieved a historic leap to a fully domestic and cloud-native architecture, enhancing system throughput by over seven times and achieving a system availability of 99.999% [12] Organizational Structure and Mechanisms - Successful digital transformation requires a restructuring of production relationships, emphasizing strategic leadership, high-level promotion, and integration of business and technology [6] - Shanghai Bank has established a core organizational principle of "strong middle platform empowerment and agile tribal operations," promoting cross-functional teams and dual management mechanisms [6] Evaluation of Digital Initiatives - Shanghai Bank employs a three-dimensional evaluation system focusing on value, experience, and efficiency to assess the effectiveness of its digital initiatives [7] - The decision-making process for digital investments is closely tied to strategic themes, with a special innovation fund allocated for exploratory projects [7] Challenges in Digitalization - The banking sector faces multi-dimensional challenges, including a shortage of skilled talent, obstacles in data elementization, and the need for a mature innovation ecosystem [8] - There is a call for regulatory and industry collaboration to address these challenges, including the establishment of a collaborative platform for assessing innovation maturity [8] Attitude Towards AI and Large Models - Shanghai Bank views AI, particularly large models, as a core strategic element for future competitiveness, transitioning from cost-cutting tools to value creation and model transformation [9] - The bank has implemented AI in various scenarios, achieving a 30% automation rate in customer service inquiries and a 15% efficiency improvement in R&D [9] Future Directions in Digitalization - Future breakthroughs in the banking sector are expected to focus on AI-native financial products, real-time risk management networks, and the integration of financial capabilities into industrial processes [14] - The bank aims to explore privacy computing and advanced computing technologies as essential infrastructure for data value integration [14]