Investment Rating - The report indicates a strong investment potential in the Chinese banking sector's large model deployment, with a projected annual compound growth rate of 40% from 2025 to 2028, reaching a total market size of 9.9 billion yuan by 2028 [7][21]. Core Insights - The current development of financial large models is at a critical stage, facing structural bottlenecks and systemic challenges despite high demand. Major banks like China Bank are leading the way in establishing controllable large model systems to set industry standards [5][7]. - The banking sector is becoming the main arena for the commercialization of large models, with significant growth in bidding projects and amounts, particularly in the second half of 2024 [10][21]. - Large models are fundamentally reshaping banking operations, transitioning from digital enhancement to intelligent reconstruction, focusing on smart interaction, process automation, precise risk control, and data-driven decision-making [11][14]. Summary by Sections Financial Large Model Development Status - The financial large model market in China is expected to reach 2.866 billion yuan in 2024, with a significant year-on-year growth rate. However, growth is expected to slow in the latter half of the year due to structural and systemic challenges [7][8]. Bank Large Model Bidding Situation - In 2024, the banking sector completed 133 bidding projects with a total amount exceeding 200 million yuan, indicating a shift towards systematic expansion led by business lines [10][21]. Main Application Scenarios - Large models are being applied in various scenarios, including intelligent customer service, business process optimization, risk management, marketing, data management, and decision support, significantly enhancing operational efficiency and customer experience [11][12]. Application Implementation Effects - The implementation of large models has led to substantial improvements, such as a 30% reduction in response time for intelligent customer service and a 200% increase in compliance check efficiency [13][14]. Optimization Path Analysis - DeepSeek offers a framework for banks to build a low-cost, high-efficiency, and compliant operational system, addressing challenges related to computational resources and operational efficiency [15][16]. Development Opportunities - The transition to large models represents not just a technological upgrade but a critical path for organizational capability enhancement and customer relationship restructuring, positioning banks to seize the future of "model-native banking" [21].
2025年中国银行大模型部署实践：DeepSeek如何优化银行业的算力资源与运营效率