At the 22nd China International Finance Forum held in Shanghai on December 19-20, themed "Building an Intelligent Financial Ecosystem in the Digital Economy Era," Zhou Jinsong, Deputy General Manager of the Financial Technology Department at HUISHANG BANK, delivered a keynote speech.
Zhou introduced that HUISHANG BANK, established in 2005 and headquartered in Hefei, Anhui, now operates 21 branches—including five outside Anhui in Beijing, Shenzhen, Nanjing, Ningbo, and Chengdu—spanning key economic regions like the Yangtze River Delta, Bohai Rim, Pearl River Delta, and Chengdu-Chongqing area. The bank's strategic goal remains to become a leading regional bank, with its "15th Five-Year Plan" aiming to establish itself as "a nationally influential local mainstream bank."
Performance metrics highlight HUISHANG BANK's strong contribution to regional economies, currently ranking 21st among China's top 100 banks and 101st in The Banker’s global Top 1000 Banks. Since 2024, its total assets have exceeded RMB 2 trillion, with a notably low non-performing loan ratio.
Zhou emphasized that user experience serves as a new engine for urban commercial banks in digital transformation and AI-driven high-quality development. Enhancing experience is a priority in informatization efforts. HUISHANG BANK has integrated AI models into its experience platform, revolutionizing full-chain operations through AI empowerment. Currently, the bank has adopted an "All in AI" approach in its tech division, where IT staff comprise one-third of its headquarters workforce.
The bank has established a "Four Pillars and Eight Beams" framework for user experience. The "Four Pillars" encompass tools, organization, systems, and culture, while the "Eight Beams" refer to eight mechanisms, including performance incentives. Zhou noted, "This incentive system is critical to implementing our initiatives effectively." These measures have yielded tangible results: over 2,000 initial issues were resolved swiftly, achieving convenient, efficient, comfortable, and comprehensive user experiences across corporate and retail banking services in recent years.
Looking ahead, Zhou stated that HUISHANG BANK will further expand AI's role and embed user experience throughout the entire product design lifecycle.