编号：2025-04 | | √特定对象调研 □分析师会议 | | --- | --- | | 投资者关系活动 | □媒体采访 □业绩说明会 | | | □新闻发布会 □路演活动 | | 类别 | □现场参观 | | | □其他 （请文字说明其他活动内容） | | 活动参与人员 | 国金证券研究所 非银金融首席分析师舒思勤女士、非银金融分析师洪希柠女 | | | 士、非银金融分析师方丽女士 | | 时间 | 2025 年 12 月 29 日下午 14:00-16:00 | | 地点及形式 | 腾讯会议 | | | 公司党委副书记、总裁度万中先生，副总裁郎蒙先生，合规 总监兼董事会秘书覃力先生，总裁助理兼零售财富委员会副 | | 公司接待人员 | 主任李煜女士，战略管理部副总经理（主持工作）杨光先生、 | | | 证券事务代表易涛先生等。 | | 交流内容及具体 | 详见附件。 | | 问答记录 | | | 关于本次活动是 | 接待过程中，公司接待人员与投资者进行了充分交流与沟通， | | 否涉及应披露重 | 严格按照有关制度规定，没有出现未公开重大信息泄露等情 | | 大信息的说明 | 况。 | | 活动过程 ...

Group 1 - The company is actively developing four aspects of "Smart+" to enhance management efficiency [2] - Its stores, including New Daxin Guofeng, Guangzhou Friendship Zhengjia Store, and Guangbai Tianhe Zhongyi Store, have been selected as national model smart stores [2] - The company is implementing smart payment, smart parking, and interactive marketing screens, and is building a "smart customer service" system that supports digital RMB payments [2] Group 2 - The company focuses on first exhibitions and showcases, leveraging celebrity effects to stimulate consumption [2] - Collaborations with beauty, clothing, and home appliance brands are being conducted for first exhibitions and showcases in South China and Guangzhou [2] - These initiatives aim to drive on-site foot traffic and sales [2]

Core Insights - The article emphasizes the increasing policy support for artificial intelligence (AI) as a core component of national strategy, particularly in the financial sector, with a focus on the "AI+" initiative outlined in the 2025 Government Work Report [1][3] - The event "2025 Financial Deep Cultivation AI Leading Future" organized by Xinwang Bank and "China Financial Computer" magazine aims to foster collaboration and exchange among financial institutions regarding AI applications [1][3] Group 1: AI Implementation in Banking - Xinwang Bank has initiated its AI exploration since its inception, focusing on the integration of AI technologies into banking operations [3][4] - The rise of large models in 2023 has prompted Xinwang Bank to adopt foundational large models, leading to the introduction of AI Agents in 2024, which have transformed the industry ecosystem [3][4] - The bank's "Zhiying AI+" strategic upgrade aims to ensure that every employee can easily utilize AI tools across various departments [3][4] Group 2: Technical Foundations for AI - The successful application of AI at Xinwang Bank relies on robust underlying technology, including AI application architecture and key technical safeguards [5][7] - The bank has integrated mainstream technologies with cloud-native capabilities for flexible resource allocation and established intelligent inspection mechanisms for data governance [7] - A comprehensive compliance system has been developed to manage risks associated with AI applications, ensuring adherence to regulatory requirements [7][9] Group 3: Business Impact of AI - AI has significantly enhanced risk decision-making capabilities at Xinwang Bank, improving risk certification efficiency by 30% through better analysis of risk features [9][10] - The bank has developed a smart customer service system that combines small and large models, achieving 24/7 coverage and improving response efficiency for customer inquiries [9][10] Group 4: Future Directions for AI - Xinwang Bank plans to deepen knowledge management by creating an enterprise-level knowledge base to facilitate quick access to information for employees [10][11] - The bank aims to develop a smart indicator system using no-code and low-code tools to lower the barriers for AI application in business processes [10][11] - The management of "digital employees" will be a focus, ensuring compliance and effective collaboration between human employees and AI agents [10][11]