来源：中国金融家杂志 新春畅想 来源：中国金融家杂志 重庆富民银行董事长 （拟任）兼行长 赵卫星 春风浩荡启新程，奋楫扬帆正当时。值此春回大地、万象更新的美好时刻，我谨代表重庆富民银行，向 长期关心厚爱我行发展的各级领导、广大客户及社会各界挚友，致以最衷心的感谢和最美好的祝福！ 回望2025年，全体富民人深入贯彻党中央、国务院各项决策部署，找准"稳"的着力点，锚定"进"的主攻 方向，以AI技术为重要驱动，坚定构建科产融生态。截至去年末，我行资产总额达647亿元，累计服务 超1亿户，以领先数字金融服务能力，交出了一份服务实体经济高质量发展的精彩答卷。 站在新的历史起点，两江潮涌激荡奋进豪情，使命在肩点燃实干热情。"十五五"期间，我行将以"策马 疾驰"的奋进姿态，以"算法银行"建设为核心，聚力构建"客户需求驱动的智能体生态"，依托"通用大模 型底座+行业知识库+动态数据流"的创新架构，全力提升服务质效。 面向未来，重庆富民银行将继续深入学习贯彻党的二十大和二十届历次全会精神，认真贯彻落实金融政 策导向，做精做细金融"五篇大文章"，运用数字科技不断提升金融服务的覆盖率，以高质量金融供给支 持打造西部金融中心，为现代 ...

Core Viewpoint - The rise of financial large models is fundamentally transforming the banking industry, shifting from a product-driven approach to a customer demand-driven intelligent ecosystem [2][3][4] Group 1: Impact of Large Models on Banking - Large models are redefining the business model of the banking industry, making it one of the most mature sectors for large model application, with 28% of global AI spending in finance and 92% of the top 50 banks deploying large models [3] - The penetration rate of AI in the financial sector is 35%, significantly higher than in healthcare (15%) and retail (20%) [3] - The application of large models is expected to evolve through three stages: optimizing existing processes, partially replacing human decision-making, and ultimately creating "algorithm banks" [6] Group 2: Challenges and Strategies for Small and Medium Banks - Small and medium banks face challenges in large model application, including quantifying investment returns, adapting organizational structures for human-machine collaboration, and ensuring data privacy [8] - Strategies to address these challenges include precise cost-efficiency calculations, optimizing organizational structures, and enhancing data protection while closely aligning financial intelligence with industry needs [8] Group 3: Future Directions and Innovations - The future of banking involves a shift from being mere financial intermediaries to becoming intelligent entities that balance wisdom and warmth, leveraging large models for enhanced customer service and risk management [5][9] - The focus will be on creating a collaborative data collection and analysis system that supports the entire data lifecycle, enabling banks to provide customized financial services [5]