作者 | 陈长亮 中信百信银行信息技术部总经理 文章 |《中国金融》2026年第2期 《关于深入实施"人工智能+"行动的意见》提出，"推动人工智能与经济社会各行业各领域广泛深度融 合"。在AI发展从模型时代迈向智能体应用爆发的关键阶段，作为中国银行业创新与数字化发展的试验 田，中信百信银行提出AI原生银行的战略目标，全面拥抱AI，创造新产能。 智能化正成为银行的新基建 在全球数字经济演进过程中，智能化不再只是技术升级，而是跨产业的"新基建"。制造业正以工业互联 网为基础，构建智能工厂；能源行业以智能电网为底座，实现能源调度优化；互联网平台则以AI算法 为驱动，构建智慧推荐和智能运营体系。无论产业类型如何不同，智能化都正在取代传统IT系统，成为 生产与服务的底层运行条件——如同电网、通信网络一样，不可或缺。 银行业的智能化基础设施建设同样面临必然性与特殊性。与制造业的"物理生产"不同，数据与资金流是 银行业主要的生产要素，其对这类资源的敏感性、安全性与实时性要求更高。与其他产业相比，金融业 的智能化基建不仅是算力、算法、数据接口的简单叠加，更是一个技术、制度、安全高度耦合的系统性 工程。 在银行数字化转型的宏大 ...

近日，毕马威中国正式揭晓2025年度第十届毕马威中国金融科技企业"双50"榜单。中信百信银行成功上 榜，实现连续八年蝉联此项荣誉，充分彰显其金融科技能力在行业科技创新浪潮中的突出表现与深厚积 淀。 "灵犀"智能体项目的推出，标志着中信百信银行在AI应用上迈向更深层次的认知交互领域。"灵犀"智能 体聚焦于多场景智能协同，针对传统智能客服在服务响应滞后、自助解决率低、服务获取路径复杂等痛 点，创新探索"一句话银行"能力，提升客户服务的智能交互体验——仅需"一句话"指令，即可完成转 账、余额查询等金融服务的咨询与办理。 数据赋能普惠金融服务，助力数字化运营 在数据爆炸的时代，中信百信银行深刻认识到：数据不仅是资源，更是驱动精准决策与数字化运营的新 质生产力。面对信贷业务场景中数据缺乏、数据孤岛等难题，中信百信银行运用大数据、人工智能等技 术构建信贷风控模型，有效评估客群风险，向个人用户、小微企业提供精准的普惠信贷服务。 此外，中信百信银行基于数据挖掘与智能体技术打造"智能问数"应用，实现指标统一管理、智能归因、 风险预警、智能应用四大核心能力；支撑业务人员自助完成指标查询、归因分析，经营指标预警归因， 形成"数据- ...

Core Insights - The article highlights the launch of China Mobile's "Mobile Love Purchase" smart life mall, which aims to provide users with a seamless and value-driven digital lifestyle experience [1][6] Group 1: Innovative Features - The "AI Bean Reward System" allows users to earn AI beans through daily consumption and platform participation, which can be redeemed for discounts or exchanged for various rewards [2][6] - The "Lingxi Intelligent System" enhances the shopping experience by providing personalized recommendations, efficient order processing, and real-time customer service [2][4] Group 2: Comprehensive Service Offerings - The smart life mall covers eight core life scenarios, including clothing, food, housing, transportation, healthcare, education, entertainment, and elder care, making daily life simpler and more efficient [3][4] - Collaborations with major state-owned enterprises and leading internet platforms ensure quality and reliability in the services offered [4][6] Group 3: User-Centric Approach - The platform emphasizes a user-centered brand philosophy, aiming to make every consumer interaction more valuable and enjoyable [6] - China Mobile plans to continue enhancing smart life services based on user needs and technological advancements, contributing to the construction of a "Digital China" [6]

Core Insights - The article emphasizes the importance of consumer confidence as a driving force for China's economic growth, particularly among new citizens and young town residents, who represent a significant potential consumer group [2][3] - Traditional financial institutions often exclude these groups due to their unique financial needs characterized by "small amounts, high frequency, and diverse scenarios," creating a gap in financial support that needs to be addressed [3][4] Group 1: Digital Inclusive Finance - Digital inclusive finance is proposed as a solution to rebuild consumer confidence by shifting from traditional financial models to more innovative approaches that cater to the needs of emerging consumer groups [3][6] - CITIC Baixin Bank's recent initiatives illustrate how digital finance can transition from merely enhancing existing services to providing essential support during challenging times, thereby empowering consumer confidence [2][5] Group 2: Credit Assessment and Product Logic - The bank aims to break down credit assessment barriers by moving from reliance on historical credit records to identifying future potential, utilizing big data and AI to create personalized credit identities for previously "invisible" consumers [4][6] - The product logic is being redefined to focus on "scenario-based empowerment," with innovative offerings like "Hao Hui Hua·Borrow Money" that integrate financial support into the daily lives of new citizens, ensuring that financial resources are effectively utilized for improving quality of life [5][6] Group 3: Service Experience and Economic Impact - The bank is transforming complex financial processes into seamless experiences, enhancing user confidence by ensuring that financial services are readily accessible in everyday scenarios [5][6] - The broader economic implications include improved efficiency in financial resource allocation, which supports both individual consumption capabilities and macroeconomic vitality, thereby contributing to a more resilient economy [7]

Core Insights - The article highlights the evolution of inclusive finance from merely existing to providing quality services, while addressing ongoing challenges such as uneven coverage, low service efficiency, and mismatched supply and demand [1][2] Group 1: Industry Challenges - The inclusive finance sector faces structural imbalances, with traditional financial institutions struggling to reach small and micro enterprises and new citizens due to operational costs and risk management constraints [2] - Long-tail inclusive customer groups often encounter difficulties in financing and service access due to a lack of collateral, credit history, and data [2] Group 2: Company Initiatives - Citic Baixin Bank, as a state-controlled digital bank, aims to fill the gaps in the inclusive finance service system by focusing on unmet financial needs [2] - The bank's brand campaign emphasizes three representative groups: young people seeking homes, small business owners needing capital, and middle-class families planning wealth [2] - By June 2025, Citic Baixin Bank had served over 100 million users, with new citizens making up more than half of this number, and its inclusive small and micro loans reached 12.703 billion yuan, a 39.58% increase from the beginning of the year [2] Group 3: Technological Innovations - The bank has fundamentally transformed the logic of inclusive finance through digital technology, shifting from "people seeking money" to "money adapting to people" [3] - Citic Baixin Bank leverages technologies such as AI, big data, and cloud computing to create a digital banking model that is agile, intelligent, and secure [4] - The "Bai Lian System" enhances financing efficiency by using digital credit to reshape assessment systems, achieving a 65% increase in approval efficiency and enabling minute-level loan disbursement in certain scenarios [4] Group 4: Risk Management and Customer Experience - The bank employs the "Bai Xin Fen" and "ModelOps System" for risk management, improving the efficiency of risk model iteration by 160% and expanding the risk management radius [4] - The "Lingxi" intelligent assistant covers 80% of customer service scenarios, allowing users to complete transactions through simple commands, thus enhancing service experience [5] Group 5: Systemic Approach to Inclusive Finance - The successful implementation of high-quality inclusive finance services relies on a systemic capability that combines scene cultivation, technological iteration, and ecological collaboration, rather than solely on policy guidance or product stacking [6]

Core Insights - The article emphasizes the importance of "confidence" as a crucial support for individuals and businesses in their financial journeys, highlighting the role of CITIC Baixin Bank in fostering this confidence through digital banking solutions [1][8] Group 1: Bank's Mission and Technology - CITIC Baixin Bank has positioned itself as a "testbed" and "innovator" in the digital finance sector since its establishment in 2017, focusing on leveraging technology to enhance operational efficiency and provide benefits to the public [2] - The bank's proprietary "Bai Lian System" represents its technological foundation, enabling real-time data integration for small and micro enterprises, which facilitates unsecured credit and precise risk pricing, improving overall approval efficiency by 65% [3] Group 2: User-Centric Financial Services - The bank's services are designed to be embedded in users' daily lives, transforming financial solutions into accessible tools that address immediate needs, particularly for new urban residents [4] - Products like "Hao Hui Hua·Jie Qian" and "Sheng Yi Dai" cater to specific user needs, with the former allowing loans up to 300,000 yuan and the latter offering flexible repayment options, contributing to a total of 127.03 billion yuan in inclusive small micro loans by September 2025, a 39.58% increase from the beginning of the year [3][5] Group 3: Financial Empowerment and Growth - The bank's offerings, such as "Yue Yue Zan" and "Qi Tian Bao," encourage savings and financial planning, helping families achieve their financial goals while providing a sense of security [6] - The integration of AI technology in services, such as the "CITIC Baixin Bank Microservice" on WeChat, enhances user experience by allowing simple commands for banking tasks, achieving an 82% AI-assisted resolution rate [7] Group 4: Vision for the Future - CITIC Baixin Bank aims to create a value co-creation ecosystem by using technology to empower financial services, ensuring that "confidence" becomes an invisible support for individuals pursuing their dreams [8]

Core Insights - The article highlights the launch of China Mobile's "Mobile Love Shopping" digital lifestyle mall, featuring the "1AI Bean Unlocks N Benefits" campaign, aimed at simplifying and enhancing the shopping experience for users from now until December 15 [1][3] Group 1: AI Bean Reward System - The "AI Bean Reward System" allows users to earn AI Beans through daily consumption and participation in platform activities, which can be redeemed for discounts or exchanged for various rewards [3][4] - This system creates a closed-loop experience where users can earn, spend, and enjoy benefits, transforming AI Beans into a digital asset that can be used like cash [3][5] Group 2: Smart Lifestyle Integration - The digital mall integrates various aspects of daily life, covering eight core scenarios: clothing, food, housing, transportation, healthcare, education, entertainment, and elder care, providing a comprehensive smart lifestyle experience [4][5] - Services include online medical consultations, educational discounts, and entertainment options, all designed to enhance user convenience and satisfaction [5][7] Group 3: User-Centric Brand Philosophy - The platform emphasizes a user-centered brand philosophy, leveraging AI Beans and the "Lingxi Intelligent System" to understand user needs and deliver personalized services [7] - China Mobile aims to continue promoting digital lifestyle services and collaborating with partners to contribute to the construction of a "Digital China" [7]

Core Insights - China Mobile is committed to enhancing brand value and positioning itself as a world-class information service technology company, focusing on customer satisfaction, technological innovation, and establishing itself as a benchmark in the industry [2][3]. Group 1: Brand Development Strategy - The company aims to strengthen its brand by implementing a comprehensive brand-building system that includes enterprise, customer, and product brands, enhancing the reputation of its existing brands like Global通 and 动感地带 [3]. - China Mobile is focused on creating a brand operation mechanism that promotes collaboration internally and externally, enhancing brand creation, trademark protection, and storytelling to build competitive advantages [3][4]. - The company has launched the CMobile international brand to establish a global presence and lead the development of unified 5G international standards [4]. Group 2: Digital Transformation - China Mobile is embracing the AI+ era by upgrading its digital infrastructure and services, aiming to build the world's largest dual-gigabit network and achieve large-scale deployment of 5G-A networks [5]. - The company is innovating its product applications to meet diverse customer needs, introducing AI-driven services to enhance user experience across various sectors [5]. - A comprehensive service system has been established to ensure high-quality digital services, addressing the digital divide and improving customer satisfaction [5]. Group 3: Innovation and Technology - The company emphasizes the integration of technological and industrial innovation, focusing on developing new production capabilities and enhancing brand value through innovation [6]. - China Mobile is advancing its "BASIC6" innovation plan and has made significant strides in 6G technology, positioning itself as a leader in the future tech landscape [6]. - The company is fostering collaboration between academia and industry to enhance the effectiveness of its innovation ecosystem, ensuring that technological advancements translate into brand value [6]. Group 4: Brand Value Recognition - China Mobile's brand value has been recognized as the highest in its industry and second among central enterprises in the 2025 Central Enterprise Brand Value Report [6].

Core Viewpoint - China Mobile is committed to enhancing brand value and positioning itself as a world-class information service technology innovation company through strategic brand initiatives and digital transformation efforts [3][4][5]. Group 1: Brand Development Strategy - China Mobile emphasizes the importance of brand building as a strategic measure to enhance core competitiveness, focusing on delivering customer satisfaction and establishing itself as a world-class service benchmark [4]. - The company aims to create a robust brand ecosystem by integrating enterprise, customer, and product brands, enhancing the appeal of its various customer brands, and increasing the added value of its product brands [4]. - China Mobile is also focused on international brand development, launching the CMobile international brand and leading the formation of global 5G standards, while promoting its AI and digital products globally [4][5]. Group 2: Digital Transformation - The company is embracing the AI era by upgrading its digital infrastructure and services, aiming to build the world's largest dual-gigabit network and achieve large-scale deployment of 5G-A networks [5]. - China Mobile is committed to enhancing customer experience through comprehensive service initiatives, including the introduction of a large service system that addresses the digital divide and improves customer satisfaction [6]. - The company is also focused on aligning supply and demand in digital product applications, launching AI-driven services to meet diverse customer needs across various sectors [5][6]. Group 3: Innovation and Technology - China Mobile is integrating technological and industrial innovation to enhance brand value, focusing on key technology breakthroughs and original innovations, including the launch of a 6G technology framework [6]. - The company is actively developing new industries such as 6G, low-altitude economy, and quantum information, aiming to strengthen its global competitiveness in the modern digital industry [6]. - Collaborative innovation efforts are being emphasized through partnerships with academic and research institutions to enhance the overall effectiveness of its technology innovation system [6]. Group 4: Brand Value Recognition - The forum announced the second batch of achievements from the Central Enterprise Brand Leadership Action, with China Mobile's brands recognized among the top in the industry [7]. - China Mobile ranked first in the industry and second among central enterprises in the 2025 Central Enterprise Brand Value Report, highlighting its strong brand value [7].

Investment Rating - The investment rating for the company is "Buy" with a 6-month outlook maintained [5]. Core Views - The company has shown steady growth in operating performance, with a revenue of 794.7 billion yuan for the first three quarters of 2025, a year-on-year increase of 0.4%. The net profit attributable to shareholders reached 115.4 billion yuan, up 4.0% year-on-year [1][4]. - The company is focusing on segmented market expansion, enhancing value management, and implementing growth plans in personal and family markets. As of September 30, 2025, the total mobile customer base reached 1.009 billion, with 5G customers at 622 million [2][3]. - The company aims for stable revenue growth and good profit growth in 2025, with specific targets for customer increases in various segments, including over 70 million new 5G customers and over 18 million new gigabit broadband customers [3]. Summary by Sections Financial Performance - For Q3 2025, the company achieved a revenue of 250.9 billion yuan, a 2.5% increase year-on-year, with a net profit of 31.1 billion yuan, up 1.4% year-on-year [1]. - The projected net profit for 2025-2027 is estimated at 145.3 billion yuan, 152.5 billion yuan, and 160.0 billion yuan respectively, indicating a consistent growth trajectory [4]. Business Segments - **Personal Market**: The company is enhancing its market presence with a focus on existing customer value and growth plans. Mobile data traffic increased by 8.3% year-on-year, with an average revenue per user (ARPU) of 48.0 yuan [2]. - **Family Market**: The company has 329 million broadband customers, with a net increase of 14.2 million in the first three quarters. The family customer ARPU stands at 44.4 yuan [2]. - **Enterprise Market**: The company is strengthening its platform operations and AI development, with significant growth in its DICT business and AI revenue [2]. Future Outlook - The company plans to achieve stable revenue and profit growth in 2025, with specific targets for customer growth across various segments, including a net increase of 4.3 million enterprise customers and rapid growth in international business [3].