以下文章来源于阿尔法工场金融家 ，作者银妹妹 阿尔法工场金融家 . 追踪保险银行业圈内动态，剖析最新风向，分享有料、有价值的"内行人"洞察见解。 导语：江苏银行充分证明了用技术与速度打开增长曲线的独特优势。不过，数字化也同时加速风险的 累积与显化。 盛夏的周末夜晚，南京奥体中心灯火通明。2025赛季"苏超"联赛的焦点战，吸引了全省球迷的 目光。 赛场外，江苏银行（600 919.SH）的广告牌，在灯光下分外醒目。 作为"苏超"的总冠名商，江苏银行在手机银行APP首页开辟了专属专区，提供门票抢购、赛道直 播等服 务。 而"苏超"体育营销带来的，远不只是品牌曝光与股价连续创新高。 2025年6月，江苏银行APP在iOS平台的下载量超过15万，跃居上市银行APP首位；比赛期间， 赛事专区日均访问量突破200万次。 赛点时刻 作为经济体量最大的省份之一，江苏省内集聚大量中小企业，金融需求庞大且多样化。 江苏银行APP内的苏超专区 来源：江苏银行APP 突如其来的流量洪峰，如果没有成熟的数字化系统支撑，很可能淹没在卡顿与延迟之中。 江苏银行在数字金融领域的多年投入、强大的数字化基础，为这一波营销提供了坚实支撑。 而这一 ...

Core Viewpoint - Domestic city commercial banks are facing survival challenges due to the dual impact of interest rate marketization and intensified competition, but some have successfully differentiated themselves through innovative products and strategies [1][2]. Group 1: Characteristics of Leading City Commercial Banks - The five city commercial banks identified as the most distinctive by DeepSeek include Ningbo Bank, Dalian Bank, Jiujiang Bank, Jiangsu Bank, and Zhejiang Chouzhou Bank, each leveraging unique advantages to stand out in the industry [1][2]. - Ningbo Bank has achieved significant success in inclusive finance, with its inclusive small and micro loan balance reaching 219.941 billion yuan by the end of 2024, serving over 270,000 clients with a non-performing loan ratio of only 1.70%, significantly better than the industry average [2][3]. Group 2: Regional Economic Support - City commercial banks are deeply integrated with regional economic development, providing essential services that stimulate local economies and support structural optimization [2][5]. - Jiujiang Bank has focused on rural revitalization, offering customized financial services based on local agricultural products, such as the "Tea Fragrance Loan" which provided 13 million yuan to 33 enterprises and individuals in the tea industry [4]. Group 3: Technological Innovation and Financial Services - Technological innovation is crucial for city commercial banks, enabling them to restructure service models and product systems while enhancing risk management capabilities [5][6]. - Ningbo Bank's "Bobo Zhiliao" platform exemplifies a comprehensive service platform that addresses the full lifecycle needs of enterprises, offering services in legal, tax, and accounting areas [5][6]. - Jiangsu Bank has developed the "Smart Xiao Su" language model for risk control, improving efficiency and accuracy in risk management with over 4,000 applicable rules [6]. Group 4: Future Outlook - The selected city commercial banks are expected to leverage their unique advantages to further align with regional economic development, transitioning from homogeneous competition to a diverse and flourishing stage [7].

从ChatGPT到DeepSeek，近年来，AI大模型的相继问世，正在影响着商业银行的数字化发展策略。 《金融时报》记者梳理上市银行年报时发现，2024年，在国有大行金融科技发展"放慢脚步"的同时，中 小银行却未曾停下数字化转型的步伐。 "长期以来，因为资金和专业技术人才受限等，中小商业银行在金融科技领域相对处于劣势地位。"在中 国邮政储蓄银行研究员娄飞鹏看来，将DeepSeek等开源大模型低成本接入内部自研模型平台，利用大 模型和AI提升科技能力，为中小银行缩小与大型商业银行的技术差距提供了可能。 值得关注的是，在数字化的驱动之下，中小银行正在积极推动"AI+金融"场景落地和生态建设，各种智 能化应用逐步替代了人工重复劳动、打破了服务半径，一系列生产力的变革正在重构中小银行的效率与 价值。 中小银行加速"招兵买马" 日前，由中小银行互联网金融(深圳)联盟等机构联合发布的《中小银行数字金融发展研究报告(2024)》 显示，与2023年相比，中小银行2024年金融科技投入规模稳步增长，越来越多的中小银行将核心技术研 发及新技术金融应用纳入规划，并进行相关产品研发。 据霍学文透露，目前，该行已完成DeepSeek ...