5月17日至18日，2025清华五道口全球金融论坛在深圳召开。在以"人工智能时代下的数字金融"为主题 的平行论坛中，清华大学五道口金融学院副院长王正位、中国证券监督管理委员会原主席肖钢、清华大 学五道口金融学院金融发展与监管科技研究中心主任张健华、中国人民银行金融研究所副所长莫万贵、 蚂蚁集团研究院院长李振华、北京智谱华章科技股份有限公司CEO张鹏等业内专家围绕数字金融发展现 状、技术应用、监管治理等议题展开深入探讨。 论坛尾声，嘉宾们对数字金融未来方向作出展望。张鹏期待数字金融成为"润物细无声"的基础设施，以 技术、数据、监管为支撑提升服务可及性；李振华预测AI大模型将助力中国金融机构形成国际竞争 力，需同步完善监管框架；莫万贵强调数字金融对金融"五篇大文章"的带动作用，需以"安全与公平"为 前提；张健华则提出从"数字金融"迈向"智慧金融"的升级路径，预见行业智能化爆发式增长。 本场论坛，与会嘉宾通过宏观数据解读、微观案例分析与前瞻性思辨，勾勒出人工智能时代数字金融的 发展脉络——技术创新与风险治理并重、效率提升与普惠公平共行，为行业在新科技浪潮中把握机遇、 应对挑战提供了多维思考框架。 张鹏从技术视角分析 ...

Group 1 - The core viewpoint of the article highlights the collaboration between Industrial Bank Jinan Branch and Shandong Qipin Catering Management Co., Ltd. to address the financial management challenges faced by small and medium-sized enterprises in the catering industry through the "Financial Cloud Management System" [1] - The catering industry representative, Qipin Catering, previously struggled with financial management bottlenecks due to a single-function financial service system and cumbersome service processes, which hindered fund circulation efficiency and operational flexibility [1] - The "Financial Cloud Management System" features account management, fund collection, and intelligent settlement, enabling real-time monitoring of funds across multiple stores and facilitating cross-regional settlements, resulting in a 40% increase in monthly settlement efficiency [1] Group 2 - Future collaboration will focus on deepening partnerships in supply chain finance and digital operations, with the Jinan Branch leveraging the "Financial Cloud" platform to provide comprehensive solutions for more SMEs, aiding their transition to intelligent and refined management [2]