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]

文｜第一财经 林洁琛、陈君君 十年前，网商银行在杭州正式开业。作为中国首批民营银行之一，它把自身使命定位为 " 普惠小微 " 。十年后， AI 浪潮袭来，网商 银行 又给自己立下了一个新目标 —— 要做 千万 小微企业的 CFO 。 9 月 12 日，在 "2025 Inclusion· 外滩大会 " 上，网商银行正式宣布从数字银行迈向 AI 银行，并 提出探索 " 新 310" 服务模式。 大会间隙，第一财经在一间采访室里，与网商银行信息科技部总经理马晓航展开了一场两个小时的对 话。马晓航从 "310" 模式的演进谈起， 阐释了 AI 如何介入小微企业的日常经营；他又谈到数据安 全、行业竞争， 还 分享了团队在与 DeepSeek 大模型碰撞后产生的兴奋与思考。 马晓航毕业没多久就加入了网商银行，也是网商银行 核心 系统的首批研发者。 专业技术出身的 他身 上有 着 浓厚的工程师气质，回答问题时逻辑清晰，偶尔 也会 夹杂一些理想主义的表达 ——" 我们希 望每一家小微企业都能拥有自己的AI CFO 。 " 第一财经 ： 网商银行 为什么一定要做 " 小微AI CFO" ？ 马晓航： 中国 99% 的企业从没 ...