Banking AI Applications to Serve Real Economy Highlighted at Lujiazui Salon

On August 15, 2026, a financial salon themed on applying artificial intelligence in banking to serve the real economy was held in Shanghai. The event explored how financial institutions can use new technologies such as artificial intelligence and large language models to strengthen their capacity to support the real economy, with focused discussion on financial support pathways for small, medium and micro enterprises and the technology and innovation sector. A related television program aired that evening.

Representatives from several banks and technology companies shared practical experience at the event. SPD Bank noted that artificial intelligence is changing the development model for financial services, expanding the developer base from technology personnel to business staff, while shifting the development process from the traditional waterfall approach to rapid iteration through intelligent agents. Bank of Shanghai said market participants should combine digital trends to create a stable development environment for enterprises, with the government improving policy support and credit-information fault-tolerance mechanisms, and banks using artificial intelligence and digital tools to achieve precision customer acquisition and real-time risk control in support of the healthy growth of small businesses.

Panel discussions centered on artificial intelligence and the transformation of corporate banking. Some participants pointed out that large language model technology can integrate unstructured data, identify more complex risk types and support a wider range of financial products, with an application foundation comprising trusted data sets, explainable model strategies and controllable task planning. On how artificial intelligence is reshaping core banking capabilities, one speaker said intelligent agents can serve as assistants to relationship managers, supporting tasks such as understanding client information, issuing early-warning alerts, drafting initial post-lending investigation reports and conducting loan pre-review. Another participant observed that standardized work can gain efficiency through artificial intelligence, but humans remain the leaders who make judgments and bear responsibility, and that data does not make banks more conservative but instead helps uncover enterprises overlooked by traditional evaluation models.

On the accuracy of artificial intelligence output, a technology company representative proposed that systems should display not only analysis results but also the underlying information and analytical process, ensuring consistency in the explanation of business logic.

The event was guided by the Financial Office of the Shanghai Municipal Party Committee and the Pudong New Area government, and hosted by relevant institutions. Television programs in the series aired on August 15, 2026 and the following day.