（原标题：一体化数据库成趋势，中小银行能否抓住AI转型新机遇？） 在人工智能（AI）技术席卷银行业的今天，中小银行是否做好数据基础设施的升级准备？9月11日，在 2025 Inclusion·外滩大会上，中国银行保险报联合OceanBase海扬数据库，与19家银行机构编委单位共同 发布了业内首份《面向AI时代的中小银行数据库研究与展望》（以下简称"报告"）。报告显示，金融市 场的日益开放和竞争的加剧，迫使银行不断提升自身的核心竞争力。数据库作为银行的核心资产，其性 能和功能直接影响着银行的业务效率和客户体验。拥有高效、稳定、智能的数据库系统，能够帮助银行 更快地推出新产品和服务，更好地满足客户需求，从而在激烈的市场竞争中脱颖而出。 报告提及，当前，中国银行业竞争格局呈现显著的集中化趋势。2024年行业分析数据显示，国有大行与 股份制银行以约80%的营收和利润占比持续主导市场，且资源进一步向头部机构聚集，极大挤压了中小 银行的生存空间。相比中小银行，大型银行在科技投入规模、边际效益及人才储备上优势明显，往往能 借助雄厚的技术基础实现更高效的业务赋能和成本管控。 面对竞争压力，中小银行需跳出同质化竞争陷阱，转而借 ...

Group 1 - The "2025 Global Digital Economy Conference" focused on the theme "Intelligent Trust Navigation, Innovative Win-Win" to discuss the digital transformation of central state-owned enterprises (SOEs) [1] - Beijing's information technology industry is expected to accelerate its integration with artificial intelligence and future information industries, moving towards high-quality development [1][7] - The importance of information technology as a high-tech and high-efficiency productivity tool for empowering the digital transformation of central SOEs was emphasized [1] Group 2 - Keynote speeches included discussions on the digital transformation practices of energy central enterprises and the role of artificial intelligence in municipal services [2] - The conference featured the release of the "2024 Information Technology Application Innovation Solution Collection Work Results" and a team standard for distributed data caching middleware technology requirements [2][4] - A roundtable discussion addressed the reshaping and innovation of digital core capabilities in central SOEs driven by artificial intelligence [5]