21世纪经济报道记者 边万莉 近日，民生银行（600016）发布2025年半年度报告，同步召开业绩发布 会。截至报告期末，截至报告期末，该行资产总额77,689.21亿元，比上年末减少460.48亿元，降幅 0.59%。2025年上半年，实现营业收入723.84亿元，同比增加52.57亿元，增幅7.83%；归属于公司股东 的净利润213.80亿元，降幅4.87%。 业绩发布会上，民生银行首席信息官张斌回答21世纪经济报道记者提问时表示，"AI是科技和银行运营 范式变革的重要驱动力，民生银行上半年持续提升体系能力，同时业务场景应用在向深度和广度扩展。 2025年上半年，实现了AI智能体平台部署应用，新增78个细分应用场景。2024年全年是80个应用场 景，今年半年已经和去年一年的规模基本持平。" 他进一步指出，民生银行的AI应用呈现加速趋势，这主要得益于两方面，一是始终注重企业级能力的 打造，二是有效的组织推动。2025年6月底大模型的应用日均调用量比去年年底增长了3倍。上半年的重 点应用包括授信尽调、零售营销、远程坐席、业务运营、知识问答等领域。 除大模型建设情况看，张斌还介绍了民生银行数字化转型支撑能力、赋 ...

Core Viewpoint - The article emphasizes the importance of technology finance in supporting Jiangsu's technological and industrial innovation, highlighting the proactive role of Minsheng Bank's Nanjing branch in this initiative [1] Group 1: Financial Innovation and Support - Minsheng Bank Nanjing branch has implemented innovative financial products such as specialized loans and bonds to support technology enterprises, demonstrating a "from 0 to 1" approach in financial innovation [2][3] - The branch has established a dedicated technology branch and a specialized approval process to expedite financial support for technology companies, exemplified by a loan of 44.97 million yuan to Meier Technology for a cross-border acquisition [2][3] - As of March, the Nanjing branch has recognized five technology financial specialty branches, enhancing its capacity to support technology innovation [3] Group 2: Comprehensive Service Model - The "Five Services and Four Loans" model has been introduced to provide comprehensive financial services tailored to the needs of small and medium-sized technology enterprises, focusing on early-stage support and value-added services [6][8] - The "Five Services" include digital management platforms and financial integration tools, while the "Four Loans" focus on credit products that align with the growth characteristics of technology firms [6][7] - The Nanjing branch has served over 7,000 small and medium-sized technology clients, with a loan balance exceeding 8.7 billion yuan, indicating a strong commitment to supporting the technology sector [8][9] Group 3: Technological Integration and Risk Management - The Nanjing branch has developed the "萤火平台" (Firefly Platform) to enhance its technology financial services, utilizing big data and cloud computing for real-time assessments of technology enterprises [10][11] - The branch has introduced automated credit products like "易创E贷" to streamline the approval process, with over 440 approvals amounting to more than 1.8 billion yuan by March [10][11] - A specialized risk management system has been established to cater to the unique needs of small and medium-sized enterprises, ensuring efficient and effective credit management [8][12] Group 4: Ecosystem Development - Minsheng Bank is building an ecosystem by forming alliances with various stakeholders, including government agencies and investment institutions, to provide comprehensive financial services to technology enterprises [12][13] - The bank aims to integrate resources and create a collaborative platform that enhances the financial support available to technology firms, thereby contributing to Jiangsu's innovation-driven development strategy [13]