11月13日上午，市数据集团与江苏镇江农村商业银行、江苏丹阳农村商业银行、江苏句容农村商业 银行、江苏扬中农村商业银行战略合作签约仪式举行。此次签约是落实国家数字经济发展战略及要素市 场化配置综合改革试点要求的重要举措，标志着我市公共数据授权运营与金融领域协同创新迈入实质性 合作阶段。 根据合作协议，4家农商行将立足本地服务优势，聚焦普惠金融、乡村振兴、农批市场、便民服务 等重点场景，与市数据集团及开发主体联合打造特色金融数据产品。通过自身网点、线上平台等渠道， 延伸数字化金融与便民服务触角，为本地企业及群众提供数据查询、便民缴费、精准信贷等一体化服 务，推动公共数据要素向实体经济赋能，助力民营经济、制造业、农业农村高质量发展。 此次五方联动的战略合作，不仅搭建了"资源共享、优势互补、业务共促、互利共赢"的合作平台， 更将进一步完善镇江市数据要素市场生态，加速公共数据在金融领域的合规应用落地。未来，双方将以 此次签约为起点，深化数据与金融的深度融合，打造"数字+金融"合作样板，为镇江数字经济发展注入 新动能。(记者 王彦冰) 作为镇江市公共数据授权运营主体，市数据集团依托省级"1+13"公共数据授权运营平台架 ...

Core Insights - The Chinese banking industry is at a turning point with the emergence of AI technology, particularly AI Agents, which are set to revolutionize core banking functions such as credit and risk management by significantly enhancing productivity and efficiency [1][3][21] - AI Agents, built on large AI models, can autonomously perform tasks, assist in decision-making, and provide personalized financial services, thereby reducing manual intervention and operational costs [1][3][4] Group 1: AI Agent Implementation and Value - AI Agents are becoming a core focus for banks, with significant investments being made to develop and implement these technologies [4][6] - The core values of AI Agents include improving efficiency through end-to-end automation, enhancing decision-making capabilities, and providing personalized customer experiences [3][21] - Major banks like ICBC and Agricultural Bank of China are leading in financial technology investments, with ICBC planning to spend approximately 28.518 billion yuan in 2024 [6][8] Group 2: Bank-Specific Developments - Agricultural Bank of China has introduced the "Mosu Loan Scoring Card" AI Agent, which can generate credit reports in 30 seconds, significantly speeding up the due diligence process [8] - Postal Savings Bank is rapidly advancing its AI capabilities, achieving over 87.5% automation in alarm troubleshooting through its AI Agents [9] - Other banks, including China Merchants Bank and Ping An Bank, are also developing their own AI Agents to enhance data analysis and customer service [11][12] Group 3: Technology Partnerships - Banks are increasingly collaborating with technology companies to bridge the technological gap and enhance their AI capabilities [13][20] - Major tech players like Baidu, Alibaba, and Tencent are providing comprehensive AI solutions and infrastructure, which are crucial for the successful implementation of AI Agents in banking [14][15] - The partnership between banks and tech companies is essential for unlocking the potential of AI in the financial sector, especially for smaller banks [13][20] Group 4: Challenges and Future Outlook - Despite the rapid development of AI Agents, many banks are still focused on non-core applications, indicating a gap between potential and actual implementation [21][22] - The banking sector requires high accuracy and reliability from AI systems, which currently face challenges such as a 95% accuracy rate in leading financial models [23][24] - The transition to AI-driven banking is a long-term process that necessitates a solid AI strategy and collaboration between banks and technology providers to achieve significant ROI [30][31]