周北春同时谈到了银行应用AI面临的两大问题：一方面是算力问题；另一方面，针对AI的培养模式需要发生本质变化。"不要再把它当作工具，出现bug就 去修改，而应把它当成一个极具智慧、拥有无限体力的AI员工，要不断教导它、引导它走上正确的方向。一旦步入正轨，它所释放的产能会让人非常惊 艳。" 银行频道更多独家策划、专家专栏，免费查阅>> 责任编辑：小讯 周北春介绍，经过八年建设，百信银行的数字风控能力已形成"数据—风险特征挖掘—模型构建—实时风险运营"四层体系，达到行业较好水准。但与此同 时，也面临着一些问题：目前线上运行的量化模型超200个，均需持续迭代优化，而整个模型团队仅22人，需兼顾小微、汽车、消金、营销等模型，人员维 护负担高；尽管已将模型交付时间压缩至15天的极限，仍面临人手短缺的限制。 面对这一困境，百信银行将突破口放在AI技术上。周北春认为，风控本质 是概率计算，而AI在复杂数学推理、7×24小时不间断工作方面具备天然优势，恰好能破解当前人手短缺、效率受限的困境。 为此，百信银行尝试以AI重塑数字风控体系。周北春表示，AI在银行机构的落地场景，已从过去的新技术尝鲜，步入业务流程重塑的阶段。针对"AI ...

Core Viewpoint - The Industrial and Commercial Bank of China (ICBC) Qinzhou Branch is committed to enhancing financial services for the real economy, focusing on green transformation, inclusive finance, and technological innovation to support high-quality economic development [1][2][3][4][5]. Group 1: Green Transformation - The bank prioritizes green credit as a key focus, establishing a dedicated team to meet the financing needs of green low-carbon enterprises and optimizing the credit structure [1]. - Green financial indicators are included in the bank's KPI assessments, with special incentive plans to boost marketing efforts [1]. - As of August 2025, the bank's green loan balance reached 3.558 billion yuan, significantly contributing to energy conservation, environmental protection, and circular economy development in the region [1]. Group 2: Inclusive Finance - The bank enhances operational efficiency by closely listening to the needs of small and micro enterprises, optimizing resource integration, and strengthening collaboration across various lines [2]. - As of August, the inclusive loan balance was 1.838 billion yuan, with an increase of 220 million yuan since the beginning of the year, demonstrating strong support for private small and micro enterprises [2]. Group 3: Technological Empowerment - The bank focuses on the high-quality development of the manufacturing sector, implementing targeted strategies and enhancing supply chain finance to improve industry resilience [3]. - As of August, the loan balance for technology-based enterprises (excluding bills) was 3.333 billion yuan, with an increase of 445 million yuan since the start of the year [3]. Group 4: Pension Services - The bank develops a comprehensive pension product system, addressing the needs of aging populations and enhancing employee training to improve communication skills regarding pension planning [4]. - The bank has successfully established a tripartite fund supervision mechanism for pension institutions, ensuring safe and efficient management of pre-receipt funds [4]. Group 5: Digital Risk Control - The bank promotes a comprehensive risk control system for inclusive finance, utilizing big data and AI to enhance risk identification and management [5]. - The integration of various data sources into a "data lake" improves decision-making capabilities and service efficiency, allowing staff to focus more on customer maintenance and precise marketing [5].

Core Insights - The 5th Digital Financial Technology Conference and the 1st "BRICS+" Digital Trade Cooperation Exchange Conference were successfully held in Xiamen, focusing on the theme "Intelligent Connection of BRICS and Digital Driving of the Future" [1] Group 1: Event Overview - The event was supported by the Xiamen Municipal Committee of Political Consultative Conference and organized by various local organizations including the Xiamen Science and Technology Economic Promotion Association and Bai Ge Online [1] - The conference gathered experts, scholars, and representatives from financial institutions to discuss topics such as artificial intelligence, data elements, digital risk control, and the transformation of financial technology achievements [1] Group 2: Strategic Collaborations - Bai Ge Online signed strategic cooperation agreements with Fujian Big Data Group and China Unicom Xiamen Company, aiming to promote the integration of digital technology with the real economy and social livelihood [1] - The conference emphasized the importance of enhancing the enabling role of financial technology in the real economy and optimizing the digital financial service ecosystem [1]

Group 1 - The fifth Digital Financial Technology Conference and the first "BRICS+" Digital Trade Cooperation Exchange Conference were held in Xiamen, focusing on the theme "Intelligent Connection of BRICS, Driving the Future" [1] - The conference gathered experts, scholars, and representatives from enterprises and financial institutions to discuss topics such as artificial intelligence, data elements, digital risk control, and the construction of cross-border service channels for "BRICS+" enterprises [1][2] - The event aimed to optimize the digital financial service ecosystem and enhance the empowerment of financial technology on the real economy, injecting new momentum into global digital economic development [1] Group 2 - A series of project signing ceremonies took place, with a focus on leveraging data elements and artificial intelligence to promote the integration of digital technology with the real economy and social livelihood [2] - The conference emphasized the development of digital solutions in areas such as computing power services, digital risk management, low-altitude economy, and new energy travel insurance payment technology [2] - The event was co-hosted by the Xiamen Science and Technology Economic Promotion Association and Baige Online (Xiamen) Digital Technology Company, highlighting the collaborative efforts in the digital finance sector [3]

Group 1 - The core issue is that seven employees of SPDB Anyang Branch, including three former presidents, have been penalized for inadequate management of personal consumption loans and non-performing loans [2][3][4] - The penalties include a five-year ban from the banking industry for a customer manager and warnings and fines for other executives, indicating serious compliance and internal control issues within the branch [3][4] - The branch has previously been fined 2.45 million yuan for similar issues, highlighting a pattern of regulatory non-compliance [3][6] Group 2 - SPDB has received a total of 25 regulatory fines this year, amounting to 5.59 million yuan, with significant penalties for both institutional and individual violations [6] - The bank has initiated a "digital risk control" strategy under new leadership, aiming to enhance risk management through digital and intelligent tools [6][7] - Despite the implementation of digital risk control measures, ongoing violations suggest a disconnect between strategic planning and execution at the branch level, posing challenges for effective risk management [7]