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传统信贷与支付体系或将被颠覆?中财商学院教授郭建鸾:生成式AI等技术是关键|财富领航征程
Xin Lang Cai Jing· 2025-09-15 02:00
Core Viewpoint - The central financial work conference emphasizes the importance of technology finance, green finance, inclusive finance, pension finance, and digital finance for promoting high-quality financial development. This sets the direction for the financial industry in the digital age, highlighting the transformative impact of fintech on banking services [1]. Group 1: Strategic Considerations for Banks - Banks should not blindly pursue internationalization nor neglect the importance of deepening their local market presence. Understanding local customer needs and regulatory environments is crucial for building strong customer relationships and brand recognition [2][4]. - The application of digital technology enhances the ability to segment and customize services in the local market, improving customer experience and loyalty [4]. - Internationalization can help banks expand growth opportunities and diversify market risks, especially with the increasing demand for cross-border financial services [4]. Group 2: Technological Innovations Impacting Banking - Key technologies such as blockchain and generative AI are likely to disrupt traditional credit and payment systems. Blockchain enhances transparency and security in payments and credit, while generative AI supports intelligent processes in credit approval and customer service [8][9]. - AI and big data analytics provide capabilities that traditional methods cannot achieve, such as processing vast amounts of data for insights, offering personalized services, and innovating product and business models [6][12]. Group 3: Challenges and Future Directions - The rapid development of digital finance presents significant challenges, including regulatory uncertainties, data governance issues, and the need for talent and cultural transformation within banks [12][16]. - The future of digital finance is expected to be driven by both scenario-based and technology-driven approaches, with an emphasis on addressing real business needs while leveraging emerging technologies for long-term competitive advantages [15][17].