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班长是全班的玩具-感受前所未有的视觉冲击与情感共鸣
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班长是全班的玩具-感受前所未有的视觉冲击与情感共鸣

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  来源:WEMONEY研究室

  上海银行(601229.SH)迎来重大战略转折。在董事长金煜功成身退之际,复旦系金融老将顾建忠正式掌舵,同时该行推出业内首个AI原生手机银行,展现数字化转型新图景。

  4月22日晚间,上海银行发布公告显示,现年62岁的董事长金煜因年龄原因辞任,其辞呈自送达董事会即刻生效。公告用“锐意进取”“经营品质提升”“风险防控体系构建”等关键词,高度评价这位掌舵人14年任期内的突出贡献。

图片来源:公司公告

  掌舵者更迭

  金煜荣休,顾建忠接棒显战略延续

  根据公司章程等规定,在新任董事长任职之前,由公司副董事长施红敏先生履行董事长及法定代表人职责。

  而据上银微动态显示,4月22日,上海银行召开干部大会,会上宣布,顾建忠任上海银行党委书记,并提名任董事长。

  据公开资料显示,顾建忠1974年11月出生,毕业于复旦大学,早年曾在上海银行任职十余年,可谓“老上银”。之后在2015年2月起,顾建忠被调入上海国际集团有限公司(系国有独资公司)担任副总裁。

  此后,在2019年1月,顾建忠再次回归银行业,进入了上海农商银行,担任该行行长,与当时由行长升至董事长的徐力成为搭档,并一起推动该行2021年8月在上交所主板挂牌上市。

  截至目前,上海银行的高管队伍为,‌行长‌:施红敏。‌副行长‌:胡德斌、俞敏华、和汪明,‌董事会秘书‌:李晓红。人力资源总监:周宁。业务总监:朱守元。业务总监:武俊。

  值得关注的是,此次人事调整延续了上海银行高管团队的“复旦基因”。金煜与顾建忠均毕业于复旦大学,现任行长施红敏同样出自复旦经济学院。分析人士指出,这种学术背景的高度趋同,或将强化战略执行的连贯性。

  据业绩快报显示,2024年,上海银行实现营业收入529.86亿元,同比增长4.79%;实现归母净利润235.60亿元,同比增长4.50%。截至2024年末,上海银行资产总额32266.56亿元,较上年末增长4.57%;客户贷款和垫款总额14057.56亿元,较上年末增长2.09%;存款总额17100.32亿元,较上年末增长4.27%。

  在资产质量方面,截至2024年末,该行的不良贷款余额165.80亿元,较上年末减少0.25亿元;不良贷款率1.18%,较上年末下降0.03个百分点,拨备覆盖率为269.81%。

  科技破局

  推出首个AI原生手机银行,实现“对话即服务”

  与人事变动同步,上海银行祭出数字化转型“杀手锏”——业内首个AI原生手机银行。

  据4月23日上海银行消息,该行于近日推出的业内首家AI原生手机银行已经上线,部分鸿蒙系统端的用户可以下载体验。

  据了解,与现有APP中“嫁接”AI功能的传统模式不同,它大胆打破固有功能界面,以全新的对话交互模式惊艳亮相:用户只需发出语音或文字指令,账户查询、转账汇款、理财咨询等操作便可轻松完成,实现了从底层架构到用户交互界面的全面革新。

图片来源:上银微动态

  在过去,APP创新往往局限于业务流程的优化与产品功能改进,AI原生手机银行的出现,让金融服务变得更加智能,真正实现了“以客户为中心”。客户不再需要花费大量时间和精力去研究金融产品和服务,只需将自己的需求告诉AI专家,就能得到专业、高效的解决方案,实现了实现“对话即服务”。

  据了解,目前,上海银行已经累计建设超400个AI模型,加快营销、风控、运营领域的智能化应用。2023年底,上海银行上线AI数字员工“海小智”和“海小慧”。

  2025年,上海银行启动“海小慧”智能服务升级计划,率先于浦东、静安等核心城区网点部署新一代智能柜员机。该系统依托ASR(语音识别)、VPR(视觉感知)、NLP(自然语言处理)技术矩阵,实现“能听、会看、懂意图”的沉浸式交互,客户可通过自然对话、手势识别及情绪感知完成业务办理,标志着城商行数字化转型进入认知智能新阶段。

  市场观察人士指出,此次战略级产品发布恰逢管理层更迭,既彰显“科技兴行”战略的持续性,也预示着新领导层将深化数字化转型。随着AI原生应用的推广,上海银行有望在城商行数字金融竞赛中建立先发优势。

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