In July 2020, after successfully participating in the first two world artificial intelligence conferences, ICBC will bring its latest artificial intelligence innovation and application achievements to the online “cloud exhibition hall” of the cloud summit of the 2020 world artificial intelligence conference again. Through the theme interpretation of “open ecology, intelligent creation of the future”, with the growth story of enterprise customers as the main line, It vividly and comprehensively demonstrates its new intelligent ecosystem of high integration of Finance and science and technology, and “hard core technology empowers and warms the heart”.
In the face of the accelerated evolution of a new round of scientific and technological revolution and industrial reform, ICBC has comprehensively laid out a new smart banking ecosystem since 2018, built a series of industry-leading financial science and technology platforms with core intellectual property rights in cutting-edge technology fields such as artificial intelligence, big data and blockchain, enabled financial services to improve quality and efficiency, and completed the in-depth application layout of a new generation of artificial intelligence, We will deeply empower various business areas such as products and services, marketing, risk prevention and control, and operation management, and actively promote the reform of the “financial AI +” ecological model.
“Wisdom · Pratt & Whitney” intimately accompanies the growth of small and micro enterprises
By integrating more than 50 types of data inside and outside the bank, ICBC smart Pratt & Whitney has covered more than 200 production and operation scenarios of small and micro enterprises, formed customer access model and credit model by using artificial intelligence technology, combined with real estate intelligent valuation and online mortgage, and created three fist products of “Business Express loan”, “e-credit express loan” and “online supply chain” small and micro financing with one touch and second lending, Comprehensively promote the increment, expansion, cost reduction and quality assurance of Inclusive Finance, open up the “meridians” of money and credit flowing into the far end of the real economy, and realize the accurate drip irrigation to small and micro enterprises. By the end of the first quarter of this year, the balance of ICBC’s loans to small and micro enterprises had reached 570 billion, and the loan accumulation interest rate was 190 BP lower than the average level of the banking industry, providing “emotional and warm” intelligent financing services.
“Wisdom · intelligence” comprehensively supports the digital transformation in the field of government affairs and people’s livelihood
By introducing government data, ICBC focuses on improving the efficiency of financial services such as enterprise account opening and inclusive financing; Build comprehensive government platforms such as “my Ningxia” and “digital xiongan” to boost the leapfrog development of digital city construction. At the same time, through docking with a series of hot livelihood scenes such as medical care, social security, land requisition and relocation and charity, we will improve the efficiency of residents and enterprises with the vision of people’s livelihood, the path of Finance and the power of digital and intelligence. In particular, in view of the blowout demand for online and intelligent services during the epidemic, “smart government” has significantly improved the guarantee and supply capacity of financial services, providing strong support for financial services under the normalization of epidemic prevention and control.
“Wisdom · intelligent control” is a little dangerous and fully controlled
ICBC firmly believes that the future risk control must be an era of intelligent control, comprehensively promotes the transformation of bank risk management from “human control” and “machine control” to “intelligent control”, uses data plus technology to build more than 2000 risk control models and more than 4000 risk indicators, and creates a new intelligent monitoring system for credit risk; It is the first in the industry to launch an intelligent global anti money laundering system, covering 47 countries on five continents. At the same time, it has also created the largest and most authoritative enterprise level cross domain intelligent anti fraud platform “Rong’an e-letter”, which has realized the full integration of authoritative risk information within ICBC, social public credit system, domestic and foreign financial peers, domestic and foreign anti fraud organizations through technologies such as big data, OCR, NLP, knowledge map and scoring model, All industrial and commercial registered enterprises across the country are fully covered, providing customers in various industries with intelligent risk control services integrating basic risk screening, in-depth risk mining, exclusive customized services and rental anti fraud, which has accumulated more than 30000 customers and avoided a loss of 16.2 billion.
“Wisdom · Zhilian” makes banking services readily available
By building an open, integrated and cross-border “financial ecological cloud”, ICBC has become the largest “supplier” of comprehensive financial services in China. Its API exports 1000 + business types, provides services to nearly 3000 partners, introduces 24400 B / g end customers in 20 industries such as finance, education and scenic spots, and has accumulated 6.66 million C-end transaction customers, Join hands with industry partners to seamlessly embed financial products such as payment, financing, financial management and investment into various scenarios such as people’s livelihood consumption and enterprise production, so as to make financial services ubiquitous and readily available, and enlarge and double the service efficiency.
In the face of the continuous emergence of new financial formats and the upgrading and change of customers’ new needs, ICBC will always be based on the financial origin, continue to exercise and improve the application ability of cutting-edge technologies such as artificial intelligence, support the national strategy, serve the real economy, promote inclusive people’s livelihood, and reflect the responsibilities of major banks. On the road of exploring the future smart bank, we will continue to create valuable and warm service experience for customers. Based on the origin of finance, continue to exercise and improve the application ability of cutting-edge technologies such as artificial intelligence, support the national strategy, serve the real economy, promote inclusive people’s livelihood, and reflect the responsibility of big banks. On the road of exploring the future smart bank, we will continue to create valuable and warm service experience for customers.
Editor in charge: PJ