在当前经济环境下，企业资金管理已成为经营中不可忽视的一环。尤其是对于广大中小微企业而言，如 何将闲置资金进行合理配置，实现保值增值，同时兼顾流动性与安全性，是一项重要课题。银行理财产 品因其风险可控、收益稳健的特点，逐渐成为企业资金管理的优选工具。然而，面对市场上琳琅满目的 理财产品，企业该如何做出明智选择？本文将从企业经营的角度出发，深入分析银行理财产品的选择要 点，并重点推荐由网商银行推出的多款理财产品，包括稳利宝、余利宝、增利宝和周利宝，帮助企业实 现资金高效运作。 网商银行是由中国银保监会批准成立、蚂蚁集团发起的全国首批民营银行，作为支付宝的兄弟单位，累 计服务了超过5000万小微经营者，在普惠金融和数字化理财领域具有深厚积淀。近年来，网商银行陆续 推出余利宝、稳利宝、增利宝和周利宝等多款爆款理财专区，凭借其合规性、专业性及用户友好性，赢 得了市场的广泛认可。对于企业主而言，选择网商银行不仅意味着依托一个正规、可靠的平台，更能够 享受到量身定制的理财解决方案，实现资金"稳中有增"的目标。 一、网商银行：企业理财的可靠之选 网商银行作为一家持牌民营银行，其合规性与专业性为企业理财提供了坚实保障。银行理财 ...

Core Insights - The article discusses the evolution of Wangshang Bank from a digital bank to an AI bank, aiming to serve as the CFO for millions of small and micro enterprises in China [1][20] - The bank's new "310" service model emphasizes comprehensive understanding of clients, personalized expert services, and real-time interactions [7][20] Group 1: AI Integration - Wangshang Bank aims to leverage AI to address the daily operational needs of small and micro enterprises, enhancing loan stability, marketing precision, and investment returns [6][11] - The bank's AI CFO will provide comprehensive financial services, including operational advice, bill management, and assistance in bidding processes [11][20] Group 2: Customer Understanding - The new "310" model focuses on understanding customer needs through extensive data collection while adhering to privacy principles [9][7] - Wangshang Bank currently serves approximately 68 million small and micro clients, accounting for about one-third of such enterprises in China [10] Group 3: Technological Advancements - The bank employs a significant proportion of its workforce in technology roles, with around 67% of its 1,900 employees dedicated to tech [10] - Innovations include video-based due diligence to assess business conditions more effectively, enhancing the accuracy of loan assessments [14][16] Group 4: Future Outlook - Wangshang Bank's mission remains focused on technology-driven services for small and micro enterprises, expanding its offerings beyond loans to include payment, investment, and bill services [20] - The bank believes that AI will not create a zero-sum game in the banking sector, but rather enhance service efficiency across both large and small banks [18]

Core Viewpoint - The article discusses the evolution of Wangshang Bank from a digital bank to an AI bank, aiming to serve as a CFO for millions of small and micro enterprises in China, leveraging AI technology to enhance financial services and decision-making for these businesses [1][33]. Group 1: New Goals and Services - Wangshang Bank has set a new goal to become the CFO for ten million small and micro enterprises, emphasizing the importance of professional financial services beyond just providing financial products [1][4]. - The bank's new "310" service model focuses on providing comprehensive, personalized services to clients, ensuring a deep understanding of their needs and real-time interaction [8][7]. Group 2: AI Integration in Services - AI will be integrated into various aspects of banking services, including credit, marketing, and wealth management, addressing the real pain points and needs of small and micro enterprises [6][15]. - The AI CFO will offer services such as operational advice, bill management, and assistance in bidding processes, streamlining financial operations for small businesses [15][18]. Group 3: Customer Understanding and Data Security - Wangshang Bank emphasizes the importance of understanding customer needs while adhering to strict data privacy principles, ensuring minimal data collection based on customer consent [9][12]. - The bank has achieved international certifications for privacy protection and information security, reinforcing its commitment to data safety [9]. Group 4: Workforce and Technology - The bank currently serves 68 million small and micro customers, accounting for about one-third of such enterprises in China, with a workforce of approximately 1,900 employees, 67% of whom are in technology roles [11][12]. - The bank has developed a unique approach to credit approval by training AI models using expert insights, achieving a 90% consistency rate between human and machine assessments [21][22]. Group 5: Future Outlook and Industry Impact - Wangshang Bank believes that AI will not create a zero-sum game in the banking industry; instead, it will enhance service efficiency for both large and small banks, benefiting the entire sector [31]. - The bank's mission remains focused on technology-driven services for small and micro enterprises, adapting to changes in the business landscape while maintaining its core values [33].