slammer37500| Huo Xuewen: Bank of Beijing will insist on reshaping business model with AI technology

Beijing News Shell Finance News how to tilt resources to products with light capital and high returnSlammer37500To enhance the comprehensive contribution of business and realize the transformation from a large-scale bank to a value bank is an important consideration given to bankers in the era of "artificial intelligence (AI) +".

On the evening of April 11, Bank of Beijing Co., Ltd. released its 2023 annual report. In 2023, when the banking industry as a whole was put to the test, the bank received a "double increase" in total revenue and net profit and a "report card" in total assets to continue to "lead" listed city firms. Huo Xuewen, party secretary and chairman of the Bank of Beijing, also revealed his "problem-solving ideas" in his speech.

At a time when the external challenges of the banking industry are increasing and the traditional growth momentum continues to weaken, how to find the supporting point to build new productivity and the breaking point to open the second growth curve? Huo Xuewen said frankly, "in turbulent times, the biggest threat is not the unrest itself, but the continuation of the logic of the past." The "contingency" chosen by the Bank of Beijing is "B (Future Bank) = IB (investment bank-driven commercial bank) + AIB (AI-driven commercial bank)".

In the face of more diversified customer needs, according to Huo Xuewen, the Bank of Beijing will adhere to the "investment banking thinking" to enhance the deep insight into the industry and customers, and penetrate the financial services of the industrial chain with "industrial thinking". Match the financial and non-financial needs of customers and partners with "platform thinking", and build a win-win cooperation ecology with "ecological thinking". Create a "investment bank-driven-resource integration-asset appreciation-wealth management-customer service" value chain, and actively create business, market, customers and value. Change from passively meeting demand to actively providing value services.

"We are in a changing situation, and if there is no solution to a problem at this level of system, we need to look for an answer in a higher-level system." Based on this logic of thinking, Huo Xuewen proposed that in the face of the future picture constructed by generative AI and constantly transcending human imagination, the Bank of Beijing will insist on reshaping its business model with AI technology and accelerate the large-scale application of AI technology in intelligent marketing, intelligent risk control, intelligent operation, intelligent customer service and other fields.

In the face of the new quality productivity inspired by the big model, he also said that the Bank of Beijing will reshape the organizational form and gather the bank's knowledge and wisdom into the big model through the "human + AI" knowledge creation model, so as to realize the comprehensive empowerment of employees, make them more focused on their creative work, and build the Bank of Beijing into a "knowledge innovative enterprise".

(source: Beijing News)

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