Core Insights - Financial technology (FinTech) has become a popular recruitment area for banks, particularly in rural commercial banks, as they enhance their digital transformation efforts [1][2] - The demand for FinTech talent is categorized into three types: technical development, business empowerment, and ecosystem collaboration [2] - Rural commercial banks are significantly increasing their investments in FinTech, with Shanghai Bank planning to invest 2.519 billion yuan in 2024, representing 5% of its operating income [2][3] Group 1: Talent Demand - Banks are actively seeking FinTech talent, making it a permanent position in campus recruitment [1] - Positions include roles in software development, data analysis, and information security, aimed at supporting digital transformation [1] - The demand for talent spans technical, business, and collaborative roles to enhance various banking functions [2] Group 2: Investment in FinTech - Rural commercial banks are intensifying their FinTech investments, achieving notable results in digital transformation [2][3] - Shanghai Bank is focusing on innovation in financial services and accelerating the construction of large models to enhance its technological capabilities [2] - The investment in FinTech is expected to improve operational efficiency and reduce costs for rural commercial banks [3] Group 3: Impact of FinTech - FinTech is helping rural commercial banks overcome challenges related to customer acquisition and operational costs by promoting online services and increasing digital workforce [3] - The integration of FinTech is expected to enhance decision-making, risk management, and profitability for these banks [3][4] - The application of FinTech across various banking sectors, including marketing, risk control, and operations, is leading to significant improvements in efficiency and service delivery [4]

以下文章来源于晓芳聊财经 ，作者王晓芳团队 晓芳聊财经 . 说商业奇闻、讲品牌故事、人话解读行业内幕。王晓芳，壹创新商学创始人，20年企业管理咨询经验， 链接赋能16万家企业。聚景资本管理合伙人，投资中信建设、喜马拉雅、金维制药等众多项目。 作者： 王晓芳团队 来源： 晓芳聊财经 -------------------------------- 大家有没有发现，最近一段时间，银行解散的步伐正明显加快？ 据国家金融监督管理总局网站数据显示， 今年上半年约有2677家"商业银行"的线下网点获准退 出。 要知道，2024年，全年约有2483家网点退出。 也就是说，今年上半年退出的银行数量，已高于去年一整年的数据。 其中，从机构类型看，中小银行是退出的主力，农商行占比较大。 在本轮网点裁撤潮中，农商行占比超过八成。 过去，银行网点热衷于跑马圈地，大规模扩张；如今，"消失的银行网点"正成为银行业的普遍现 象。 而今年银行网点的"退场潮"正以更迅猛的姿态跃进，背后的原因是什么？又会造成什么影响？ 下面我们一起聊一聊！ 01 银行关停背后的双重压力 1、数字化冲击 而截至10月24日，今年已有8592家银行网点获批退出，较 ...

Core Insights - The 17th China (Jinan) International Information Technology Expo showcased China Construction Bank (CCB) Shandong Branch's commitment to integrating digital finance with the real economy and digital economy [1] Group 1: Technological and Green Finance - CCB Shandong Branch has strengthened its technological finance services, with a technology loan balance of 244.7 billion yuan, an increase of 66.6 billion yuan since the beginning of the year, serving nearly half of the technology enterprises in the region [1] - The bank has innovatively launched 16 green credit products, achieving a green credit balance of 263.6 billion yuan, with a growth rate of 25% and an increase of 52.7 billion yuan since the beginning of the year [1] Group 2: Inclusive Finance - CCB Shandong Branch adheres to the principle of "finance for the people," with an inclusive loan balance of 163.6 billion yuan, serving 173,600 customers, and the "Hui Dong Ni" intelligent service platform has provided convenient credit services to over one million inclusive finance customers [2] - The bank's "Jian Yang An" pension finance brand has seen a loan growth rate exceeding 70%, with a social security card issuance of 14.75 million, and a cumulative return rate of 41.43% for occupational annuities [2] Group 3: Digital Finance - The bank's mobile banking and "Jian Hang Life" platform have attracted 35.78 million users, facilitating local life services and government consumption subsidy activities, with a total subsidy amount of 9.57 billion yuan expected by 2025 [3] - CCB Shandong Branch has actively engaged in digital RMB initiatives, launching various promotional activities to encourage the use of digital payment tools, while ensuring consumer rights protection [3] - The introduction of the virtual digital human "Long Zhi Wei" at the expo highlights the bank's commitment to reshaping service paradigms through digital finance, providing 24/7 financial services [3] Group 4: Future Directions - CCB Shandong Branch aims to continue advancing in the five key areas of technological finance, green finance, inclusive finance, pension finance, and digital finance, contributing to high-quality development of the real economy and showcasing new responsibilities in the context of China's modernization [4]

何大勇表示，"十五五"期间银行业将面临ROE（净资产收益率）持续下滑、马太效应加剧等多重挑战，而最大增量机会将集中在对公业务中的产业金融和零售业务 数字化转型两大领域。 对公业务重心转向产业金融 何大勇分析，"十五五"期间银行业面临的外部环境将是挑战与机遇并存，不确定性显著增多。他指出三大关键变量将影响银行业战略节奏：贸易冲突是否扩大化、 房地产价格能否止跌回升，以及人工智能基础设施投资能否取得突破。这些因素将直接影响出口、消费和投资三大经济支柱。 "对银行而言，如果说'十五五'最大的增量是什么？我们认为是在对公业务中的产业金融方向。"何大勇明确表示。他解释，当前金融市场和零售银行两大板块已基 本达峰。债券市场经历7～8年牛市后，随着未来降息空间收窄至20—30个基点，投资收益将在2026—2027年见顶。零售业务方面，中国居民杠杆率已居全球第12 位，自2020年后增速变化不大，未来个人贷款增量空间有限；财富管理业务增速预计仅7%—8%，高度依赖房价回升、资本市场表现和居民工资性收入的增长。 第十九届深圳国际金融博览会暨2025中国金融机构年会近日在深圳举行。在"中国银行业年会"分论坛上，波士顿咨询公司（B ...

叠加科技创新后的数字经济浪潮，把"要不要转型"的单选题，变成了"转得够不够快"的抢答题。在北京顺义区马坡，一片占地188亩的"数字金融绿洲"，也 许正悄然改写着未来银行新范式。 这里是北京银行顺义科技研发中心——"数字京行"的策源地，7×24小时不间断运转，支撑着北京银行各项业务的稳定运行。 2022年，北京银行正式吹响数字化转型冲锋号，提出三年行动规划，以数字化转型推动跨越式发展。这场转型的实际成效如何？具体有哪些落地应用？近 日，由北京市委网信办主办、新京报贝壳财经承办的"京彩不设限・经济热力站"月度主题走访活动给出了最佳观察窗口。北京银行顺义科技研发中心作为重 要站点，迎来了12家市属新闻网站、财经类网站记者及4家财经领域网络大V，让外界得以零距离触摸其数字化转型的鲜活实践。 服务3200万客户背后的"数字兵法" 数字化转型的最终目标是提升客户体验与经营效率。目前，北京银行的零售客户数突破3200万户，如何服务好这些客户群体，同时还能进一步扩规模、促增 长，答案就是——数字化运营。 在零售业务领域，来自北京银行软件开发中心零售基础与渠道研发团队副主管周兵介绍，该行沉淀总结了一套数字化运营的体系框架——C ...

Core Viewpoint - The digital transformation of Beijing Bank is not just about whether to transform, but about how quickly it can adapt to the digital economy wave driven by technological innovation [1] Group 1: Digital Transformation Strategy - Beijing Bank launched a three-year action plan in 2022 to drive leapfrog development through digital transformation [1] - The bank's digital operation framework, CPCT R, aims to enhance customer insights and provide differentiated services through digital tools [2] - The bank's digital transformation is entering its 2.0 phase, focusing on customer-centric, value-creating, and AI-driven operations [10] Group 2: Retail and Corporate Banking Innovations - Beijing Bank serves over 32 million retail customers, utilizing digital channels such as mobile banking, which has nearly 20 million users and over 7.5 million monthly active users [2] - The corporate banking sector has developed a digital financial technology service capability system consisting of 75 physical systems, covering core scenarios like deposits, loans, and payments [3] - The bank has implemented an AI and big data-driven "smoke index" warning system for risk management, with over 300 warning signal rules [3] Group 3: Digital Currency and AI Integration - Beijing Bank is a pioneer in digital currency, having established capabilities in digital wallets, smart contracts, and various payment scenarios [4] - The bank's "All in AI" strategy aims to integrate AI deeply into business operations, enhancing customer experience and operational efficiency [5][6] - The AI platform supports numerous projects, focusing on key business scenarios such as marketing, risk control, customer service, and operations [8] Group 4: Data Management and Governance - To address data silos and system barriers, Beijing Bank has initiated three major battles for digital transformation, including unifying data foundations and financial operating systems [9] - The establishment of the Financial Technology Management Committee marks a significant step in the top-level governance of digital transformation [9] - The bank's integrated technology management platform "Jingzhengcheng" optimizes over 300 management nodes and thousands of technology management indicators [11]

在这里，每一秒钟都关乎健康。今年春天，"建融智医"平台在医院搭建。为了让使用系统的体验感更 好，工作人员通过走访调研，围绕用户管理异常账单处理等归纳出9类问答指引，形成30多项常见问答 库并上线至平台。单一问答检索时间从原先的平均63秒缩短到12秒以内。这些数字化运营举措让每一次 对账更智能、每一笔医药费的退付更顺畅，资金流转效率快一分，百姓的心安就多一分。自助问答库已 在5家医院上线，未来将覆盖更多医疗机构。自平台上线以来，医院财务工作效率大幅提高，原先需要7 个人做的工作，现在只需要1个人就能完成。 "建融智医"是建设银行践行"金融为民"初心的一个缩影。"裕农通"用金融活水润泽田间地头，"建融慧 学"托起莘莘学子的青春梦想，手机银行让金融服务触手可及，"建行生活"走进万家烟火……建设银行 用"看得见"的数智力量，传递着无数"看不见"的温情守护，让数字金融点亮通往美好生活之路。 "温情服务"的背后，始终依托于底层技术的坚实支撑。正是凭借分布式银行核心系统及算力基础设施， 加持自然语言处理、知识库动态构建、跨系统数据交互等自主创新技术，大幅提升每一次服务效率。数 字技术与金融结合，催生了服务千行百业的"智慧活 ...

2025年11月25日，大连银行发布公告称，为了能够向您提供更优质的金融服务，大连银行将于2025年11 月25日23:00至次日02:00和2025年11月28日23:00至次日02:00期间，对网络系统进行升级维护。届时， 大连银行官方网站、个人网银、企业网银、手机银行、微信银行可能会间歇性出现无法访问情况。 请您根据自身需要，妥善安排好办理业务的时间。大连银行对由此给您带来的不便深表歉意，并将努力 缩短影响时长，感谢您长期以来给予大连银行的大力支持！ ...

"这些孩子比自己的儿女还有耐心！"李奶奶激动地说，"以后我在家就能查账缴费，不用每次都跑银行 了。你们的服务让我感到特别温暖。" 在成功教会老人使用查询功能后，大堂经理主动留下自己的工位电话："您以后有任何操作问题，随时 打这个电话，我们都会为您解答。"同时还帮助老人将支行的联系电话存入手机通讯录。 更令人感动的是，该行员工自发成立了"老年客户服务小组"，定期通过电话回访使用电子银行的老年客 户，提供远程指导。此外，该行还计划每月举办"银发课堂"，专门帮助老年客户掌握智能金融工具的使 用。 江南时报讯 日前在工行南通海门三星支行发生的一幕温馨场景，生动诠释了"以客户为中心"的服务理 念。该行员工通过长达一小时的耐心指导，成功帮助一位七旬老人掌握手机银行基本操作，让老年客户 享受到科技金融带来的便捷，彰显了我行服务的温度与担当。 近日，一位白发苍苍的老人徘徊在我行智能服务区前，面露难色。大堂经理立即上前询问："阿姨，有 什么可以帮您的吗？"老人有些不好意思地说："闺女，我想查一下养老金到账没有，但这些机器我都不 会用..."经了解，这位62岁的李奶奶独居生活，子女都在外地工作。此前她都是到柜台办理业务，但最 近 ...

为进一步提升适老服务专业性,建行兴德科技支行定期开展适老服务场景演练,模拟"老年客户不会操作智 能柜员机""看不清屏幕文字"等常见场景,培训员工用通俗语言、缓慢语速指导操作,手把手教老年客户使 用手机银行查询、缴费等基础功能,帮助他们逐步适应数字化金融服务,真正跨越"数字鸿沟"。 知识普及 守护老年客户"钱袋子" 建行兴德科技支行通过"进社区、驻网点"双路径开展金融知识普及活动。在社区广场,员工结合诈骗案 例,用接地气的语言讲解"冒充子女借钱""虚假养老投资""出租出借银行卡"等骗局的作案手法；在网点厅 堂,通过海报展示、一对一答疑等方式,提醒老年客户警惕非法集资,引导他们树立正确的理财观念,切实守 护养老资金安全。 建行兴德科技支行始终将老年客户的需求放在心上,以设施优化、贴心服务与知识普及为抓手,推出一系 列有温度的适老举措,让老年群体在金融服务中感受到尊重与关怀,用实际行动诠释"金融为民"的理念。 设施适老 细节处筑牢"温暖防线" 走进建行兴德科技支行网点,适老关怀的细节随处可见。为方便行动不便的老年客户,网点门口专门设置 无障碍坡道,轮椅可平稳通行；厅堂内,爱心座椅、度数齐全的老花镜、应急轮椅及装有常 ...