专题：中国财富管理50人论坛2025年会 12月28日金融一线消息，中国财富管理50人论坛2025年会在京召开，本届年会的主题是"迈向'十五 五'建设金融强国"。交通银行副行长、首席信息官钱斌出席并发表演讲。 钱斌指出，当前人工智能正迈入全球格局重塑的重要阶段，已成为创新发展的关键变量。金融业对AI 的探索由来已久，而今年以来，AI技术在金融业渗透的速度和深度前所未有，不仅全方位提升服务效 能，更将从根本上重塑金融运行的逻辑与发展范式。 面对智能经济趋势，钱斌强调，必须用科技力量打破思维上限，突破想象边界，围绕业务底层逻辑推动 新技术的创造性应用、产品服务模式创新及制度流程变革。 对于下一步发展，钱斌提出应从"技术筑基、应用领航、模式创新"三个方向发力，为高质量发展注入智 慧动能。 首先，建强智能基座，激活动力引擎。 他认为AI创新是算力、数据、模型融合的产物，需统筹加大资 源投入，夯实云、数、智、链协同发展的基础底座。在算力方面，需完善高性能算力基础设施，探索安 全可控的算力资源共享共建机制。在数据方面，他强调"没有高质量的数据就没有高质量的人工智能"， 应紧扣要素市场化改革主线，推动跨主体、跨领域数据有序 ...

Core Viewpoint - The Chinese government has released the "Opinions on Deepening the Implementation of 'Artificial Intelligence+' Action," aiming for significant integration of artificial intelligence (AI) across six key sectors by 2027, with a target of over 70% application penetration of new intelligent terminals and agents, and a rapid growth in the scale of the intelligent economy [1] Group 1: Policy Goals and Implementation - By 2030, AI is expected to fully empower high-quality development, with application penetration exceeding 90%, making the intelligent economy a crucial growth driver for China's economic development [1] - By 2035, China aims to enter a new stage of intelligent economy and society development, providing strong support for the realization of socialist modernization [1] - The policy establishes a quantifiable and trackable indicator system for the penetration rate of intelligent terminals, requiring a dual approach of "hardware penetration + software empowerment" [1][2] Group 2: Short-term Strategies and Market Trends - The policy adopts a layered implementation strategy, focusing on consumption quality improvement, industrial upgrading, and governance efficiency in the short term (1-3 years) [2] - Key areas for immediate impact include smart home, entertainment, elderly care, industrial intelligence, and agricultural digitization, which are expected to quickly demonstrate effectiveness [2] - The "Artificial Intelligence+" initiative emphasizes enhancing service and product consumption, aligning with the broader goal of boosting domestic demand [2] Group 3: Future Consumption Trends - The "Opinions" outline four trends for the new consumption market: upgrading from "functional experience" to "cognitive emotion," from "one-size-fits-all" to "personalized," from "auxiliary tools" to "intelligent partners," and from "single business" to "cross-industry integration" [3] - The integration of AI with cutting-edge technologies like low-altitude flight and brain-machine interfaces is expected to create new intelligent product forms and open up new consumption markets [3] - China's vast consumer market, projected to exceed 50 trillion yuan in retail sales, is anticipated to become the largest globally, providing a significant opportunity for the "Artificial Intelligence+" initiative [3]

Core Insights - The total number of 5G base stations reached 4.55 million by the end of June this year, with a data industry scale of 5.86 trillion yuan, marking a 117% increase compared to the end of the 13th Five-Year Plan [1] - The data production volume reached 41.06 zettabytes, with high-quality datasets exceeding 35,000 [1][4] - The data industry is becoming a new growth point for the digital economy, with significant market potential and a strong development momentum during the 14th Five-Year Plan period [2] Industry Development - The data industry encompasses various sectors including data collection, storage, transaction, utilization, governance, and infrastructure [2] - Data technology is rapidly evolving from business intelligence (BI) to artificial intelligence (AI), creating a new industrial ecosystem characterized by deep data mining and integration [2] - By 2024, the average R&D investment of listed data companies is expected to increase by 79% compared to the end of the 13th Five-Year Plan, with an annual growth rate of 15.7% [2] Regional Insights - The Yangtze River Delta has developed a multi-layered, full-chain data industry ecosystem, accounting for 22.6% of the national data industry scale by 2024, with over 100,000 data companies [2] - Major cities such as Beijing, Shanghai, Guangzhou, Shenzhen, and Hangzhou are attracting leading enterprises and innovation entities, showing a clear trend of industrial ecological clustering [3] Infrastructure Development - The construction of data infrastructure is crucial for resource supply and demand matching, with 25 city nodes established and 16 provinces covered [3] - Over 2,000 entities, including data exchanges and developers, have been integrated into the data infrastructure, supporting numerous application scenarios [3] Data Resource Management - The management and utilization of data resources have reached new heights, with a doubling of data production volume compared to the end of the 13th Five-Year Plan [4] - Policies have been implemented to enhance public data resource development and utilization, leading to a rapid increase in registered resources and services [4] Application Scenarios - The development of application scenarios is essential for data resource utilization, with 70 demonstration scenarios released across key industries [5] - Innovative applications in sectors like smart agriculture and healthcare are emerging, showcasing the practical benefits of data-driven solutions [5] Public Service Enhancement - Digital technology applications have significantly improved public service accessibility, with over 1 billion services provided through internet hospitals [6] - Social governance has become more efficient, with many processes now allowing for data sharing across departments, reducing the need for citizens to submit multiple documents [6][7] Future Directions - The focus will be on leveraging data elements to enhance public services, digital living, and social governance, aiming for more substantial outcomes in digital society construction [7]