【环球网财经报道 记者 谭雅文】日前，国家金融监督管理总局发布《银行业保险业数字金融高质量发展实施方案》（以下简称《方案》），明确要充分发 挥人工智能等新技术创新引领作用，加快发展"人工智能+金融"，探索前沿技术应用，加强科技研发能力建设，优化科技资源配置和投向，积极推进数字基 础设施建设，加强同业科技输出。 受访人士认为，从长远战略来看，《方案》将推动银行等金融机构重构业务流程，深度融合人工智能和数据要素。在市场竞争中，数字技术也有助于银行更 精准地定位目标客户，实现差异化发展。 政策引领：加快发展"人工智能+金融" 国家金融监督管理总局有关司局负责人介绍，《方案》在延续《关于银行业保险业数字化转型的指导意见》框架基础上，新增"人工智能+""数据要素×"等工 作内容，从健全治理机制、赋能金融服务、发挥新技术引领作用、激发数据要素潜能、强化风险防控、监管数字化智能化转型等六个方面提出具体工作要 求。 《方案》鼓励有条件的金融机构构建企业级人工智能平台，通过集中管理模型开发、部署与评估流程，提升人工智能建模及安全应用能力。同时积极探索量 子计算、区块链、隐私计算等前沿技术在金融场景的融合应用，实现科技创新成果加 ...

对广大消费者而言，"数字金融"这一概念或许略显抽象，但若提到由此催生的各类金融服务——如数字 钱包、消费信贷、刷脸支付等，大家或许早已司空见惯。 如今，数字金融作为数字经济的核心支柱，正以空前的速度与深度重构金融体系，并日益成为推动经济 社会高质量发展的关键引擎。然而，创新与风险的博弈始终客观存在，金融是经营管理风险的行业，在 科技应用方面，其对稳定性、可靠性的需求可谓极高。在数字金融发展得如火如荼之际，数据安全风险 问题同样需要高度关注。 从金融安全的角度来看，核心金融数据一旦泄露，可能直接危及金融体系的稳定和公众利益。而此类风 险往往具有高度集中、跨行业传导迅速、技术手段隐蔽性强等突出特征。与此同时，中小金融机构普遍 存在安全防护能力薄弱、跨机构间权责边界不清等现实短板，这就进一步加剧了风险防控的复杂性，对 整个行业的安全治理体系构成挑战。 数字金融创新提速下，数据安全风险还存在哪些"死角"？金融机构应该如何应对数据安全风险？2025年 岁末之际，《每日经济新闻》记者就此采访了多位业内人士。 AI重构金融服务生态 近年来，推动数字金融高质量发展，已成为国家战略层面的重要部署。 在政策支持下，金融机构的数字 ...

如今，数字金融作为数字经济的核心支柱，正以空前的速度与深度重构金融体系，并日益成为推动经济 社会高质量发展的关键引擎。然而，创新与风险的博弈始终客观存在，金融是经营管理风险的行业，在 科技应用方面，其对稳定性、可靠性的需求可谓极高。在数字金融发展得如火如荼之际，数据安全风险 问题同样需要高度关注。 从金融安全的角度来看，核心金融数据一旦泄露，可能直接危及金融体系的稳定和公众利益。而此类风 险往往具有高度集中、跨行业传导迅速、技术手段隐蔽性强等突出特征。与此同时，中小金融机构普遍 存在安全防护能力薄弱、跨机构间权责边界不清等现实短板，这就进一步加剧了风险防控的复杂性，对 整个行业的安全治理体系构成挑战。 对广大消费者而言，"数字金融"这一概念或许略显抽象，但若提到由此催生的各类金融服务——如数字 钱包、消费信贷、刷脸支付等，大家或许早已司空见惯。 数字金融的高质量发展已成为国家战略层面的重要部署。党的二十届三中全会强调，加快构建促进数字 经济发展体制机制，完善促进数字产业化和产业数字化的政策体系，并对积极发展数字金融作出部署。 2023年10月召开的中央金融工作会议首次将数字金融写入中央文件，明确提出要大力发展 ...

对广大消费者而言，"数字金融"这一概念或许略显抽象，但若提到由此催生的各类金融服务——如数字 钱包、消费信贷、刷脸支付等，大家或许早已司空见惯。 如今，数字金融作为数字经济的核心支柱，正以空前的速度与深度重构金融体系，并日益成为推动经济 社会高质量发展的关键引擎。然而，创新与风险的博弈始终客观存在，金融是经营管理风险的行业，在 科技应用方面，其对稳定性、可靠性的需求可谓极高。在数字金融发展得如火如荼之际，数据安全风险 问题同样需要高度关注。 从金融安全的角度来看，核心金融数据一旦泄露，可能直接危及金融体系的稳定和公众利益。而此类风 险往往具有高度集中、跨行业传导迅速、技术手段隐蔽性强等突出特征。与此同时，中小金融机构普遍 存在安全防护能力薄弱、跨机构间权责边界不清等现实短板，这就进一步加剧了风险防控的复杂性，对 整个行业的安全治理体系构成挑战。 数字金融创新提速下，数据安全风险还存在哪些"死角"？金融机构应该如何应对数据安全风险？2025年 岁末之际，《每日经济新闻》记者就此采访了多位业内人士。 AI重构金融服务生态 近年来，推动数字金融高质量发展，已成为国家战略层面的重要部署。 在政策支持下，金融机构的数字 ...

Core Insights - The virtual digital human industry has shifted from initial hype to facing significant operational challenges, including high costs and low returns, leading to a decline in market interest [1][2][3] Group 1: Industry Trends - The rise of virtual beauty influencers like "Liu Yexi" in 2021 sparked a wave of brand engagement with virtual endorsers, leading to a surge in stock prices for related companies [2] - The initial belief in quick returns from virtual digital humans has been challenged by high production costs and diminishing user interest, resulting in many virtual endorsers being removed from platforms [2][3] - A report from QuestMobile indicates that in 2023, the GMV of virtual streamers was less than one-fifth that of real streamers, with a significant drop in average viewing time and a high fan attrition rate [3] Group 2: Technological Advancements - The development of generative AI has led to the evolution of virtual digital humans into "smart humans," utilizing advanced technologies for more human-like interactions [4] - Companies are leveraging modular tools and SaaS platforms to reduce production costs and deploy digital humans in practical applications across various sectors, moving away from purely entertainment-focused roles [4][5] Group 3: Market Expansion - Despite existing challenges, the virtual digital human market is projected to grow significantly, with estimates suggesting a core market size exceeding 48 billion yuan by 2025 [6] - Investment activity in the sector has increased, with 23 funding cases reported in 2025, totaling over 3.5 billion yuan, indicating renewed interest from capital markets [6] - Government initiatives are supporting the development of the digital human sector, with various regions launching new digital human projects to enhance service delivery [6] Group 4: Legal and Ethical Considerations - The emergence of legal issues surrounding virtual digital humans, including copyright and data privacy concerns, is becoming more prominent, as evidenced by recent court rulings [7] - Platforms are enhancing governance measures to mitigate risks associated with AI-generated content, including the identification and removal of misleading accounts [7] Group 5: Future Outlook - The consensus in the industry is that within the next five years, virtual digital humans will transition from being seen as mere novelties to becoming essential tools for digital transformation and economic growth [7]

Core Viewpoint - The management of China Merchants Bank (CMB) expressed confidence in achieving steady progress and completing the annual budget goals despite recent challenges in the banking sector [2][4]. Group 1: Annual Performance Outlook - CMB's net profit growth turned positive in the first half of the year, with the second quarter performing better than the first, which faced significant pressure due to loan repricing [3][4]. - The bank aims to implement strategic development, enhance cost management, promote non-interest income, and strengthen asset quality to maintain a positive growth trajectory [4]. Group 2: Retail Business Strengths - CMB's retail business is supported by three key factors: technological capabilities, a dedicated workforce, and a customer-centric value system [5][6][7]. - Retail assets under management (AUM) reached 16.03 trillion yuan, with the highest growth in recent years, and retail wealth management income increased by 6% year-on-year [5]. Group 3: Balancing Short-term and Long-term Goals - The bank emphasizes the importance of balancing short-term performance with long-term sustainability, likening banking operations to a marathon rather than a sprint [8]. - CMB aims to solidify its foundational aspects, including customer base and management, while focusing on long-term strategic goals [8]. Group 4: Changes in Customer Risk Preferences - There has been a shift in retail customers' risk preferences, with a gradual improvement in their inclination towards equity assets, although a conservative approach remains predominant [9]. - CMB is committed to providing a stable and comprehensive wealth management experience to meet evolving customer needs [9]. Group 5: Return on Equity (ROE) Management - CMB has established a financial management system focused on ROE, which currently stands at 13.85%, significantly higher than the industry average of around 9% [10][11]. - The bank aims to balance profit growth, net asset accumulation, and dividends to maintain a competitive ROE and meet investor expectations [11][12]. Group 6: Internationalization Strategy - CMB is accelerating its internationalization efforts, recognizing it as a new growth point amid increasing global integration and domestic market saturation [13]. - The bank has already established a network of overseas branches and is enhancing the capabilities of its international operations [13].

Group 1: Annual Performance Outlook - The company believes it can achieve steady progress and meet the budget goals set at the beginning of the year, with a positive outlook for the second half of the year [6][4] - The first quarter faced significant pressure due to loan repricing starting January 1, leading to a decline in net interest margin, but the second quarter showed improvement [6][4] - The company plans to focus on strategic development, cost management, non-interest income growth, and asset quality control to maintain a positive trajectory [6][4] Group 2: Retail Business Strengths - The retail business is supported by three key factors: technological capabilities, a dedicated workforce, and a customer-centric value system [5][7] - Retail assets under management (AUM) reached 16.03 trillion yuan, with the highest growth in recent years, and retail wealth management income increased by 6% year-on-year [7][5] Group 3: Balancing Short-term and Long-term Goals - The company emphasizes that banking is a marathon, not a sprint, and must focus on long-term sustainability rather than short-term gains [11][12] - It aims to strengthen foundational aspects such as customer base, workforce, management, and business to ensure long-term success [11][12] Group 4: Changes in Customer Risk Preferences - There has been a shift in retail customers' risk preferences, with a gradual improvement in their willingness to engage in riskier investments [12][5] - The company aims to adapt to market trends and customer needs to provide a comprehensive wealth management experience [12][5] Group 5: Return on Equity (ROE) Management - The company's ROE is currently at 13.85%, significantly higher than the industry average of around 9%, and it aims to maintain this leading position [13][14] - Future ROE levels will depend on the recovery of profitability, net asset growth, and dividend policies [14][13] Group 6: Internationalization Strategy - The company is accelerating its internationalization efforts, recognizing it as a new growth point amid increasing global integration [15][16] - It has established a network of overseas branches and is enhancing the capabilities of its international operations [16][15]

Core Viewpoint - The article emphasizes that technology, particularly AI, should enhance human-centered services in wealth management rather than serve as a mere gimmick. The focus is on creating value for clients through personalized and efficient service delivery [2][3][4]. Group 1: AI Strategy and Implementation - China Merchants Bank (CMB) has adopted an "AI First" strategy to become a leading intelligent bank, prioritizing AI capabilities in its operations [2][3]. - The bank's AI assistant, "AI Xiao Zhao," has evolved significantly, integrating advanced technologies to improve user experience and service efficiency [5][6]. - CMB's AI capabilities have been upgraded to enhance understanding of user intent and provide personalized recommendations, marking a critical step in its digital transformation [5][6]. Group 2: Wealth Management Achievements - CMB has achieved significant milestones in wealth management, with retail AUM exceeding 16 trillion yuan and insurance premium scale surpassing 1 trillion yuan [3][8]. - The bank's retail asset management strategy has accelerated, achieving the third 5 trillion yuan milestone in just over three years, showcasing its rapid growth [8][9]. - CMB's "TREE asset allocation service system" offers personalized investment advice, contributing to its leading position in the industry [9][10]. Group 3: Customer-Centric Approach - CMB emphasizes a customer-centric approach, providing tailored services that adapt to different life stages and financial needs [9][10]. - The bank's strategy focuses on long-term value creation rather than short-term gains, aligning with its core value of being a "value bank" [8][10]. - CMB's commitment to combining professional expertise with human care is seen as a key factor in successfully integrating AI into financial services [7][10]. Group 4: Collaborative Ecosystem - CMB has expanded its partnerships with over 160 collaborators to enhance its wealth management ecosystem, focusing on shared resources and improved user experiences [10][11]. - The bank's approach to collaboration aims to create a comprehensive wealth management ecosystem that benefits clients, employees, and partners alike [10][11]. - CMB's leadership emphasizes the importance of maintaining core principles in wealth management, such as investor-centricity and long-termism, amidst evolving market conditions [10][11].

Core Insights - China Merchants Bank (CMB) has announced that its retail AUM (Assets Under Management) has surpassed 16 trillion yuan, making it the first domestic joint-stock commercial bank to reach this milestone [1][2] - The growth in AUM has accelerated significantly, with the bank achieving its first 5 trillion yuan in 9 years, the second in 5 years, and the latest in just over 3 years [2][3] - CMB's wealth management strategy has shown resilience through market cycles, with a focus on enhancing customer service capabilities and building an open platform ecosystem [1][4] AUM Acceleration - CMB's retail AUM reached 14.93 trillion yuan by the end of 2024, with significant growth from 12.12 trillion yuan in 2022 and 13.32 trillion yuan in 2023, indicating a strong upward trend [2] - The bank's AUM increased by 1.2 trillion yuan in 2023 and 1.61 trillion yuan in 2024, showcasing a notable increase in retail AUM increments [2][3] Product Category Breakthrough - CMB maintains the leading position in the industry for public non-monetary funds and wealth management products, with retail insurance premiums surpassing 1 trillion yuan [4] - The bank has developed a comprehensive service system called "TREE Asset Allocation Service System," catering to diverse customer financial needs and achieving over 10 million clients served [4] Customer Management - CMB serves over 200 million individual clients, enhancing its service offerings to meet diverse financial needs, including retirement planning and cross-border investments [5] - The bank has upgraded its AI wealth assistant, "AI Xiao Zhao," to improve customer service efficiency and effectiveness [6] Cross-Border Financial Services - CMB has launched upgraded cross-border investment services, including the "Cross-Border Wealth Management Connect 2.0" and new cross-border payment products [6] - The bank's digital initiatives aim to simplify wealth management for clients, providing a one-stop financial service experience through its app [7] Partnership Expansion - CMB collaborates with over 160 partners to build a comprehensive wealth management ecosystem, emphasizing cooperation and shared growth [8] - The bank's achievements in retail AUM reflect its strong operational capabilities and commitment to building a robust wealth management ecosystem with partners [8]

Core Insights - China Merchants Bank (CMB) has announced that its retail AUM (Assets Under Management) has surpassed 16 trillion yuan, becoming the first domestic joint-stock commercial bank to reach this milestone [1][8] - The growth in AUM has accelerated significantly, with the bank achieving the third 5 trillion yuan milestone in just over 3 years, compared to 9 years for the first and 5 years for the second [2][8] AUM Growth Acceleration - CMB's retail AUM reached 14.93 trillion yuan by the end of 2024, with significant growth from 12.12 trillion yuan in 2022 and 13.32 trillion yuan in 2023, indicating a strong upward trend [2][3] - The bank's AUM increased by over 1 trillion yuan in the first seven months of the year, marking a historical high in growth [3] Product Category Breakthroughs - CMB maintains the leading position in the industry for non-monetary public funds and wealth management products, with retail insurance premiums surpassing 1 trillion yuan [4][8] - The bank has developed a comprehensive service system called "TREE Asset Allocation Service System," catering to diverse client needs and enhancing its wealth management capabilities [4] Client Management and Services - CMB serves over 200 million individual clients, focusing on personalized services to meet diverse financial needs, including retirement planning and cross-border investments [5][6] - The bank has upgraded its AI wealth assistant, "AI Xiao Zhao," to enhance customer service efficiency and effectiveness [6] Cross-Border Financial Services - CMB has launched upgraded cross-border investment services, including the "Cross-Border Wealth Management Connect 2.0" and new cross-border payment products, facilitating easier access for clients [6][7] Wealth Management Ecosystem - CMB collaborates with over 160 partners to build a comprehensive wealth management ecosystem, emphasizing cooperation and shared growth [7][8]