中国银行正在使用人工智能提高效率,客户服务和风险管理,主要机构看到显著的收益. Chinese banks are using AI to improve efficiency, customer service, and risk management, with major institutions seeing significant gains.

中国银行正在迅速采用人工智能,以提高效率、加强客户服务和推动增长。 Chinese banks are rapidly adopting AI to boost efficiency, enhance customer service, and drive growth. 中国建设银行、ICBC和中国邮政储蓄银行等国有巨头正在贷款、风险管理、合规和零售银行业中采用AI,有些还实现了高更新率和大幅提高调查效率。 State-owned giants like China Construction Bank, ICBC, and Postal Savings Bank of China are using AI in lending, risk management, compliance, and retail banking, with some achieving high renewal rates and major improvements in inquiry efficiency. 股票银行也在跟进, 采用人工智能策略来跟上步伐. Joint-stock banks are following suit, embracing AI strategies to keep pace. AI专家说明正在从生产力工具演变为创造价值的引擎,特别是在风险识别和监测方面,尽管其全部潜力仍处在早期阶段。 Experts note AI is evolving from a productivity tool to a value-creation engine, especially in risk identification and monitoring, though its full potential remains in early stages. 银行业人工智能的研究成果激增,越来越重视代理系统,表明客户服务、贸易和合规的未来扩展。 Research output in banking AI has surged, with growing focus on agentic systems, signaling future expansion in customer service, trading, and compliance.