Core Insights - The digital transformation of the financial industry has shifted from a "strategic option" to a "survival necessity" in the context of the global digital economy [2] - The Central Financial Work Conference has highlighted digital finance as one of the "five major articles," emphasizing its core role in resource allocation and promoting new productive forces [2] - The essence of this transformation is to reconstruct the triangle relationship between efficiency, cost, and value, with financial institutions needing to achieve business resilience, scenario innovation, and data assetization through digitization to avoid being eliminated by the times [2] Group 1: Challenges in Digital Transformation - The digital transformation of the financial industry faces unique challenges, including the contradiction between zero tolerance for risk and agile innovation [4] - High-frequency trading requires millisecond-level responses, while risk control systems must intercept fraud in real-time, necessitating rapid iteration of business to adapt to market changes [4] - A leading bank reduced its business launch cycle from days to hours by adopting Huawei's "4-stage 22-step engineering method" to transform its core system, demonstrating the necessity of systematic engineering thinking [3] Group 2: The Triple Dilemma for Small and Medium Institutions - Small and medium financial institutions are struggling due to a triple dilemma: talent shortages, high trial-and-error costs, and difficulty in customer acquisition [4] - The use of mature AI-SaaS tools is emphasized as a means for these institutions to leverage small investments for significant efficiency gains [4] - Financial technology platforms enable long-tail customer service, bringing marginal costs close to zero and facilitating the realization of inclusive finance [4] Group 3: Collaborative Evolution of Resilience, Scenarios, and Data - Infrastructure is evolving from a "siloed" approach to a "resilient foundation," with Huawei's "DC as a Computer" concept integrating computing and networking resources to reduce data access latency from 100 microseconds to 10 microseconds [7] - A domestic cloud platform based on Kunpeng chips and GaussDB distributed databases is crucial for avoiding "choke point" risks, as evidenced by Postal Savings Bank's core system supporting 650 million users with zero incidents for over a year [7] - Financial institutions are focusing on three major scenario breakthroughs: intelligent marketing, real-time risk control, and precise customer acquisition [8] Group 4: Future Directions in Digital Finance - In the field of industrial finance, scenario-based services are deepening, with Huawei's "three-dimensional trust" concept reconstructing supply chain finance [10] - Human-machine collaboration is becoming normalized, with AI replacing about 50% of repetitive tasks, allowing human resources to focus on higher-value tasks [10] - The trend towards ecological openness is becoming mainstream, as seen in Huawei's collaboration with Jinzhong Technology to release core trading solutions [10] Group 5: Conclusion on Digital Transformation - Digitalization in finance is not merely a technical stack but a profound strategic gene reconstruction [11] - By 2025, it is expected to be a watershed moment for the digitalization of the financial industry, with leading institutions leveraging AI to reconstruct customer acquisition costs and data platforms to build competitive moats [11] - Financial institutions must integrate resilience, agility, and intelligence into their organizational DNA to effectively navigate the evolving landscape and create new value for the public [11]

民生银行数据管理部总经理沈志勇表示，金融科技需要解决的痛点是信息不对称问题，而信息从数 据中来，如何高效地提炼非结构化数据又是一大挑战。大模型的出现，使原本处理非结构化数据的方法 ——信息检索、信息抽取和知识图谱都得到了优化改进。 中国互联网协会数字金融工作委员会副主任陈树军表示，当前商业银行面临的最大挑战在于客户行 为的快速演变。在人工智能时代，客户行为正被持续重塑，而银行服务与客户需求之间的匹配已成为主 要矛盾。从内部看，银行同时承受着管理提效与经营增效的双重压力。 陈树军认为，需通过提升认知、制定战略、落实战术、强化过程管控及结果导向等系统性措施，推 动人工智能技术的深度应用来解决这一矛盾。这一转型路径将帮助银行业应对新一轮经营挑战，最终实 现管理精细化与经营高质量发展的双重目标。 （责任编辑：何潇） 中国经济网北京9月11日讯（记者 田云绯） 第七届中国金融科技论坛于9月10日至11日在北京首钢 园举行，本届论坛主题为"科技赋能——金融业数字化转型与应用"。作为本届服贸会金融服务专题的核 心论坛之一，该论坛汇聚国内外监管、金融、科技及学术领域的多位专家学者，围绕大模型技术落地、 数据安全防控、传统机构 ...

主 持 人：《金融时报》记者 李珮 浙江金融职业学院金融管理学院副院长、教授 吴金旺 目前，数字化转型重构金融业态，高素质金融人才的培养与就业，已成为驱动行业创新发展的关键 命题。 高校作为人才供给主阵地，正从课程体系革新到产教融合深化加速推进。如何让课堂对接瞬息万变 的金融市场？怎样打通从校园到职场的"最后一公里"？我们与高校教育者、行业观察者进行了一场深度 对话。 《金融时报》记者：当前，金融行业人才需求呈现怎样的特征？ 杨涛：当前，金融行业人才需求主要呈现五个方面特征。一是对于金融产品设计、业务运营、投资 管理等专业人才有更高要求，不仅需要基础知识，更需要面对纷繁复杂的金融业务实践具有较好的适应 性。二是随着金融业数字化转型的全面推进，需要大数据、人工智能等新技术领域的人才以及能够兼具 金融与技术专业性的复合型人才。三是金融业面临更多风险挑战，因此需要更多风险管理方面的人才， 协助金融机构及时关注监管政策变化，确保合规运营，并应对各类风险挑战。四是能够了解产业的金融 人才，需要从业人员对专业领域的内在规律有更深刻的认识。五是具有国际化视野和能力的人才。随着 金融制度型开放的演进，金融业"走出去"和"引进 ...

Core Viewpoint - The China Communications Industry Association announced the Financial Digital Transformation Capability Assessment Model (FDMM) results, with Bank of Communications receiving the highest level certification for its digital technology application capabilities, marking it as an industry leader in digital transformation [1][3]. Group 1: Digital Transformation Strategy - The company emphasizes digital transformation as a strategic priority to meet high-quality development requirements, increasing investment in technology and fostering core technological innovation [3]. - A "1+1+N" artificial intelligence framework has been established, featuring a heterogeneous computing cluster based on domestic GPU servers and a financial model algorithm matrix worth hundreds of billions [3]. Group 2: Financial Services Innovation - The company leverages "data elements + digital technology" to enhance business value and improve service quality for the real economy, introducing innovative financial services like "proactive credit" for small and micro enterprises [3]. - Standardized products such as online mortgage loans and various credit products have been developed, alongside the "Jiaoyin Hangmaotong" platform for online cross-border settlement and foreign trade financing [3]. Group 3: Risk Management - The company has implemented AI technology across all risk management areas, creating a comprehensive digital risk management system that transitions from traditional methods to intelligent control, ensuring the protection of customer assets [3].