At the Bank of Communications 2026 interim results conference held on August 28, Vice President Qian Bin addressed the topic of artificial intelligence, stating that the bank is committed to combining forward-looking planning with practical application by deepening its "AI+" initiative. He noted that the bank has consistently increased investment in AI over recent years, including the construction of green computing centers and efforts to optimize computing power efficiency. Currently, more than 70% of technical staff at the head office have integrated AI capabilities into key areas such as R&D, operations, and data analysis. The bank is focusing on high-value scenarios across four dimensions—cost reduction, risk control, experience enhancement, and value creation—with over 420 use cases already deployed.
Looking ahead, Qian emphasized that AI serves as the core innovation engine for the group. He expressed the bank's ambition to leverage AI and other new technologies to accelerate service model transformation, reshape business processes, and upgrade management paradigms, ultimately achieving greater value creation. Qian elaborated on three key priorities.
First, he stressed the need to further refine AI risk governance frameworks, pointing out that innovation without governance and constraints can easily lead to risks. The bank is benchmarking against the latest regulatory guidance from the People's Bank of China and the National Financial Regulatory Administration to accelerate the improvement of its AI governance. This includes integrating AI into comprehensive risk management, establishing tiered classification standards, and ensuring that AI applications align with risk management capabilities. Supporting measures will be deployed across critical elements such as AI infrastructure, data resources, models, algorithms, and application scenarios to enhance security assurance. The bank is also refining human-machine collaboration mechanisms to ensure that final decisions are made by humans, key processes are supervised, and interventions are possible during emergencies.
Second, Qian highlighted efforts to strengthen the AI foundation. With the rollout of multiple data centers across various locations, the bank is expanding computing scale and enhancing the management and scheduling of heterogeneous computing resources. The goal is to build an autonomous, controllable, secure, and efficient computing infrastructure. This includes enriching high-quality datasets, strengthening knowledge service platforms, and optimizing the mechanisms for knowledge extraction, integration, sharing, and freshness maintenance. These steps aim to create an iterative flywheel effect from data to knowledge to models to applications, accelerating the construction of intelligent service systems to support agile deployment of application scenarios.
Third, the bank is deepening AI applications in key areas such as customer service and risk management. AI is driving overall improvements in technology efficiency, fostering a shift from business-technical handoffs to collaborative co-creation. The bank continues to enhance intelligence across R&D, testing, operations, maintenance, and security functions.
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