Core Viewpoint - Private banks are facing challenges in digital transformation, with a focus on maintaining their commitment to serving the real economy while overcoming business bottlenecks in a low-traffic environment [1][5]. Group 1: Digital Transformation and Technology Innovation - Jin Cheng Bank emphasizes that digital technology is not just a tool but the foundation for survival and development, aiming to become a "world-leading digital technology bank" [5][6]. - The bank has launched "Jin Qi Loan," a fully online credit loan product for small and micro enterprises, with over 280 billion yuan disbursed since its launch in 2021 [6][8]. - Key innovations include breaking down data barriers by integrating with tax authorities and other data sources to create a comprehensive risk assessment model for small businesses [7][8]. Group 2: Cross-Border Financial Innovation - Jin Cheng Bank is focusing on cross-border business, particularly in facilitating cross-border trade and investment, leveraging its digital technology capabilities [9][10]. - The bank has developed products like "Jin Cheng Su Hui" for cross-border RMB payments, serving 170,000 C-end users with a transaction volume exceeding 10 billion yuan [10]. - The bank's cross-border services cover over 80 countries, with a focus on compliance and risk management, ensuring transaction authenticity before processing [12]. Group 3: AI Application and Future Plans - AI is viewed as a transformative force rather than just a cost-cutting tool, with plans to integrate AI across all processes, enhancing customer management, risk control, and operational efficiency [15][16]. - Jin Cheng Bank has implemented AI applications such as "Enterprise Brain," which automates call center quality checks and improves coding efficiency by 40% [15][16]. - Future plans include embedding AI into all workflows, focusing on high-value areas like risk management and compliance [16].