中信百信银行陈龙强：先做数据“细活”，再求服务“质变”

Core Viewpoint - The financial industry's digital transformation is accelerating, with data as the core driver, reshaping financial services and facing challenges in compliance, efficiency, and technology innovation [1][4]. Group 1: Understanding Digital Finance - Digital finance is viewed as the "new infrastructure" of finance, supporting key areas like inclusive finance and green finance, and represents a higher stage of financial technology driven by data [5][6]. - The core of digital banking lies in technology and data, emphasizing the importance of data as the foundational element for digital finance [5][6]. Group 2: Organizational Structure for Digital Finance - The bank has established a dual committee structure to promote digital finance, with a Digital Finance Promotion Committee led by the president and an AI Innovation Application Committee under the IT Committee [6][7]. - The IT and big data departments focus on building a robust data platform and agilely supporting frontline business while ensuring alignment in goals and operational rhythm [6][7]. Group 3: Unique Positioning of the Bank - The bank aims to practice inclusive finance through digital capabilities, focusing on serving small and micro enterprises while maintaining a cautious and prudent approach to business [7][8]. - The bank's strategy emphasizes differentiation in customer base, technology, and product offerings, aiming for a "small but beautiful" model rather than large-scale operations [7][8]. Group 4: AI Model Applications - The application of large models in finance is progressing slowly due to high compliance requirements, with current uses focusing on standardization and efficiency improvements in specific tasks like anti-money laundering [9][10]. - The bank is exploring the use of AI agents to enhance coding efficiency and improve risk control model development, demonstrating the potential of AI in operational tasks [9][10]. Group 5: Customer Interaction Transformation - The bank is evolving its customer interaction from passive response to proactive sensing, aiming for a "one-sentence bank" model where customer needs are identified and addressed seamlessly [11][12]. - Innovations in service delivery include intelligent customer service and card-based service requests, significantly enhancing customer experience [11][12]. Group 6: Balancing Foundation Work and Innovation - Emphasizing the importance of foundational data work, the bank believes that solid data infrastructure is essential for fostering innovation in AI applications [13][14]. - The bank advocates for a balanced approach to AI governance, focusing on establishing safety boundaries and ethical standards while promoting innovation [14][15].