【环球网财经报道 记者 谭雅文】日前，国家金融监督管理总局发布《银行业保险业数字金融高质量发展实施方案》（以下简称《方案》），明确要充分发 挥人工智能等新技术创新引领作用，加快发展"人工智能+金融"，探索前沿技术应用，加强科技研发能力建设，优化科技资源配置和投向，积极推进数字基 础设施建设，加强同业科技输出。 受访人士认为，从长远战略来看，《方案》将推动银行等金融机构重构业务流程，深度融合人工智能和数据要素。在市场竞争中，数字技术也有助于银行更 精准地定位目标客户，实现差异化发展。 政策引领：加快发展"人工智能+金融" 国家金融监督管理总局有关司局负责人介绍，《方案》在延续《关于银行业保险业数字化转型的指导意见》框架基础上，新增"人工智能+""数据要素×"等工 作内容，从健全治理机制、赋能金融服务、发挥新技术引领作用、激发数据要素潜能、强化风险防控、监管数字化智能化转型等六个方面提出具体工作要 求。 《方案》鼓励有条件的金融机构构建企业级人工智能平台，通过集中管理模型开发、部署与评估流程，提升人工智能建模及安全应用能力。同时积极探索量 子计算、区块链、隐私计算等前沿技术在金融场景的融合应用，实现科技创新成果加 ...

Core Insights - The banking industry is accelerating the exploration of artificial intelligence (AI) technologies, with AI becoming a frequent topic during the 2024 earnings announcements [1] - AI is reshaping banking business models, enhancing operational efficiency, customer service capabilities, and management processes [1][2] - The deployment of AI technologies, such as the DeepSeek model, is being widely adopted across various banking functions, leading to improved efficiency and cost reduction [1][2] Group 1: AI Implementation in Banking - Several banks, including Industrial and Commercial Bank of China (ICBC), have reported significant workforce efficiency gains through AI, with ICBC's AI applications replacing over 42,000 jobs annually [2] - ICBC has developed a comprehensive financial model system, "工银智涌," which is applied across more than 20 business areas, demonstrating AI's strong support for high-quality financial development [2] - Other banks, like China Merchants Bank, have also reported substantial productivity increases from AI applications, equating to the work of over 5,000 full-time employees [2] Group 2: Operational Efficiency Gains - AI technologies are enhancing internal operations, with banks reporting time savings of up to 60% in tasks such as due diligence report generation [3] - For example, China Merchants Bank's AI assistant has improved loan processing times by 54%, while Minsheng Bank has achieved over 30% adoption of AI-generated code in its development processes [3] - Postal Savings Bank's "小邮助手" has improved internal operations, handling over 3,000 inquiries daily and reducing processing times by approximately 20% [4] Group 3: Customer Interaction and Service Enhancement - AI applications in customer-facing roles, such as intelligent customer service and financial advisory, have significantly improved efficiency, with ICBC reporting a threefold increase in transaction efficiency [5] - Postal Savings Bank's trading robots have reduced transaction inquiry times by about 94%, showcasing the effectiveness of AI in streamlining operations [5] - Major banks are integrating AI into core business functions, such as credit management, with ICBC's AI assistant facilitating comprehensive credit approval processes [5] Group 4: Human-Machine Collaboration - The concept of "human-machine collaboration" is gaining traction, with banks focusing on how employees can effectively utilize AI technologies [6] - Agricultural Bank of China emphasizes the need for a "machine processing + human assistance" model to adapt to AI's impact on business processes [6] - Banks are also developing AI-driven tools to enhance employee productivity and decision-making, with initiatives to create a unified knowledge management system [6] Group 5: Challenges and Future Directions - Despite the advantages of AI, there are concerns about its implementation, with a significant portion of respondents expressing reluctance to deploy AI in customer service roles [7] - The rise of general models like DeepSeek presents opportunities for banks to enhance efficiency while addressing the challenges of human-AI interaction [7] - Industry experts suggest that banks should focus on AI infrastructure improvements, talent development, and fostering a collaborative environment to maximize AI's potential [7]

Core Viewpoint - The article discusses the advancements in the deployment of the DeepSeek open-source large model by major banks in China, highlighting its role in enhancing financial services through intelligent upgrades and operational efficiencies [2][6][10]. Group 1: Deployment and Adoption - As of March 8, Industrial and Commercial Bank of China (ICBC) has completed the private deployment of the latest DeepSeek model, integrating it into its "ICBC Intelligent Surge" model matrix to enhance financial business scenarios [2][6]. - Over 20 banks have adopted the DeepSeek model, with major state-owned banks like Postal Savings Bank and China Construction Bank also initiating their deployments [3][8]. Group 2: Focus Areas of Application - Banks are focusing on four main areas for the application of DeepSeek: intelligent customer service upgrades, business process optimization, intelligent decision-making and risk management, and intelligent marketing and customer insights [4][12]. - DeepSeek is expected to replace repetitive tasks and enhance cognitive capabilities, driving business process optimization and innovation [4][16]. Group 3: Specific Implementations - ICBC has empowered over 20 major business areas with the DeepSeek model, implementing more than 200 practical scenarios, including a smart dialogue trading product and a remote banking assistant that improves service efficiency by reducing call durations by approximately 10% [6][12]. - Postal Savings Bank has integrated DeepSeek models to enhance its "Little Postal Assistant," improving service efficiency and customer experience through advanced logical reasoning capabilities [9][13]. Group 4: Future Implications - The integration of DeepSeek into banking services signifies a shift from "informationization" to "cognition" in financial services, indicating a transformative phase in how banks interact with customers and manage operations [16][17]. - The technology is expected to reshape the banking industry's approach to AI applications, focusing on personalized customer interactions and efficient resource allocation [17][19].