过去几年间，在田间地头，在办公楼宇，在工厂车间，金融机构用算法丈量普惠客群的信用半径。中国普惠型小微企业贷款余额从2017年末的8.8万亿元飙 至2024年末的33万亿元上方，年均复合增速达到20.7%，金融服务的核心需求从"有没有"转为"好不好"。 进入2025年后，AI逐步从实验室走向规模化应用。在金融行业，AI跨越单点工具辅助阶段渗透至金融业务的各环节，普惠金融的齿轮加速转动。普惠金融 的"最后100米"，不再是物理距离的阻隔，而是信任、成本与合规的三重考题。AI能否成为解题钥匙？答案藏在每一次模型迭代、每一次监管沙盒的测试 里。 20254 ■ fi AI员工接连上岗 从北京商报记者的调研结果来看，过去十余年间，普惠金融的发展大致可以分为可得性、便捷性、精准性三个阶段，实际上就是普惠客群金融服务需求 从"有没有"转向"好不好"的过程。 普惠金融发展的关键阶段，AI被寄予厚望。而普惠金融的核心矛盾，始终是信任与成本的博弈，同时，随着AI应用的深入，科技伦理的治理受到更多关 注。 2025年以来，以大模型和智能体为代表的生成式AI技术迎来突破性发展，AI从执行指令的"自动化工具"演进为具备推理能力和自主决 ...

过去几年间，在田间地头，在办公楼宇，在工厂车间，金融机构用算法丈量普惠客群的信用半径。中国普惠型小微企业贷款余额从2017年末的8.8万亿元飙 至2024年末的33万亿元上方，年均复合增速达到20.7%，金融服务的核心需求从"有没有"转为"好不好"。 进入2025年后，AI逐步从实验室走向规模化应用。在金融行业，AI跨越单点工具辅助阶段渗透至金融业务的各环节，普惠金融的齿轮加速转动。普惠金融 的"最后100米"，不再是物理距离的阻隔，而是信任、成本与合规的三重考题。AI能否成为解题钥匙？答案藏在每一次模型迭代、每一次监管沙盒的测试 里。 20254 ■ fi AI员工接连上岗 2025年以来，以大模型和智能体为代表的生成式AI技术迎来突破性发展，AI从执行指令的"自动化工具"演进为具备推理能力和自主决策的"业务伙伴"，除了 AI客服外，还有更多AI员工上岗。 北京商报记者向业内十余家金融机构调研发现，当前AI在金融领域的应用不再是零星的点状尝试，而是呈现出体系化、规模化的特征。从信贷审批的分钟 级响应到反欺诈的秒级拦截，从投研报告的智能生成到普惠服务的全域覆盖，AI向金融领域更深层次的业务赋能演进。 以智能投 ...

AI员工接连上岗 2025年以来，以大模型和智能体为代表的生成式AI技术迎来突破性发展，AI从执行指令的"自动化工 具"演进为具备推理能力和自主决策的"业务伙伴"，除了AI客服外，还有更多AI员工上岗。 北京商报记者向业内十余家金融机构调研发现，当前AI在金融领域的应用不再是零星的点状尝试，而 是呈现出体系化、规模化的特征。从信贷审批的分钟级响应到反欺诈的秒级拦截，从投研报告的智能生 成到普惠服务的全域覆盖，AI向金融领域更深层次的业务赋能演进。 过去几年间，在田间地头，在办公楼宇，在工厂车间，金融机构用算法丈量普惠客群的信用半径。中国 普惠型小微企业贷款余额从2017年末的8.8万亿元飙至2024年末的33万亿元上方，年均复合增速达到 20.7%，金融服务的核心需求从"有没有"转为"好不好"。 进入2025年后，AI逐步从实验室走向规模化应用。在金融行业，AI跨越单点工具辅助阶段渗透至金融 业务的各环节，普惠金融的齿轮加速转动。普惠金融的"最后100米"，不再是物理距离的阻隔，而是信 任、成本与合规的三重考题。AI能否成为解题钥匙？答案藏在每一次模型迭代、每一次监管沙盒的测 试里。 以智能投顾为例，从业机构 ...

Core Insights - The September 2025 Bank Social Media Index (SMI) highlights a significant rise in the rankings of several banks, with Industrial Bank's Douyin account "Qian Da Zhang Gui" achieving a remarkable jump to the second position due to its effective content strategy [1] - New entrants to the top rankings include Postal Savings Bank, Citic Bank, and Huishang Bank, indicating a shift in social media engagement within the banking sector [1] Group 1: Performance Highlights - Industrial Bank's Douyin account "Qian Da Zhang Gui" rose from outside the top rankings to second place, showcasing its balanced operation across various platforms including video accounts and public accounts [1] - Postal Savings Bank's content titled "New Atmosphere of Local Specialties" received 22,000 likes, emphasizing the bank's role in supporting local agriculture through comprehensive financial services [1] - The "100 Small Shops" series by MyBank highlighted a small business owner's innovative approach to offering affordable meal options, resonating well with users and contributing to the bank's social media presence [1] Group 2: Content Themes - The top content on Douyin this month featured diverse themes such as product promotion, brand awareness, financial education, and community support, reflecting a broad engagement strategy [1][2] - MyBank's focus on AI in finance was evident in its content, which showcased the practical applications of AI technology in credit services, aligning with current industry trends [2] - NewNet Bank's engagement with young audiences during the back-to-school season aimed to establish emotional connections and foster brand loyalty among future customers [2] Group 3: Social Media Engagement - The top-performing content on WeChat included discussions around personal consumption loan policies, indicating a growing interest in financial literacy among consumers [2] - Various banks utilized the back-to-school theme to create relevant content, such as Hengfeng Bank's practical financial advice for college students, which ranked sixth in user engagement [1][2]

Core Insights - The banking industry is entering a golden decade for AI applications, with significant changes expected in service models due to AI's capabilities [1] - The new "310" model in the AI era emphasizes comprehensive user understanding and real-time interaction, contrasting with the previous model focused on online credit services [1][2] - AI is not merely an automation tool but exhibits human-like cognitive and execution abilities, marking a fundamental shift in banking services [1] Group 1: AI Implementation in Banking - The first step in AI integration involves equipping employees with AI assistants to enhance individual efficiency and promote equitable financial services [3] - The second step focuses on transforming service paradigms from product provision to comprehensive solutions that include financial products, services, and business advisory [3] Group 2: Addressing Small and Micro Enterprises' Needs - NetEase Bank aims to stabilize credit limits for small and micro enterprises by providing "AI credit experts," achieving a consistency rate of 90% in AI credit decisions compared to human approvals [3] - AI-driven marketing strategies are being developed to accurately identify user needs and deliver tailored financial products at the right time [3] - The bank is also working on stabilizing investment returns for small and micro enterprises through intelligent operational engines, reducing yield fluctuations by 5 basis points compared to market averages [3]