Great Wall Securities: Large-scale implementation of AI+ finance supports development with a long-term sustainable business model

The Zhitong Finance App learned that Great Wall Securities released a research report saying that companies in the domestic model and fintech industry combine software and hardware to superimpose high-quality data sets based on large-scale computing power to help implement large-scale models in various segmented scenarios in the financial sector. In terms of safety, the regulatory authorities have introduced relevant policies to guide the orderly and healthy development of AI applications. The fintech sector is a field where AI applications are advanced, and it is expected that long-term sustainable business models will be formed to support the development of the industry.

Event: The 2026 China International Finance Exhibition was held in June 2026. The theme of the exhibition was “A Strong Financial Country Builds a Foundation for Digital Intelligence Innovation to the Future”, which attracted many well-known financial institutions, technology companies and industry organizations to participate in the exhibition.

The main views of Great Wall Securities are as follows:

The first financial-grade smart device “Dianjin” unveiled

According to a report by the Shanghai Securities News, Alibaba Cloud's financial-grade general intelligence platform “Dianjin” was unveiled at the exhibition. “Dianjin” realizes native optimization of infrastructure agents, awakens an elastic sandbox within 100 ms, and allows agents to have an independent work space; the Thousand Questions model moves from “understanding” to “action” and natively supports complex task planning and tool call; “Dianjin” arranges computing power, models, and compliance capabilities into digital employees that can be implemented. Relying on the deep collaboration of Zhenwu chips, the Qianwen Big Model, and the Dianjin General Intelligence System, Alibaba Cloud is using “chip-cloud-mode-smart” full-stack capabilities to provide financial institutions with complete solutions from computing power bases to agent applications. The bank believes that financial-grade agents are entering an inflection point of large-scale deployment. “Dianjin” uses the chip model-smart full-stack autonomous controllability to mark the acceleration of the replacement process of domestic AI in core financial scenarios, and that the industry competition pattern will shift from “computing power arsenal” to a double barrier of “deepening scenario cultivation and compliance trust.”

The financial industry is becoming intellectually value-driven

According to a report by China Financial News Network, CLP Jinxin brought a full range of AI+ “base+platform+tools+application” products in the field of finance. The company released two new data intelligence products, focusing on the fields of knowledge governance and intelligent decision-making, respectively. The bank believes that the financial industry, as a data-intensive and knowledge-intensive industry, will drive the industry to be driven by intellectual value.

Large-scale computing power+high-quality data sets help implement AI scenarios

According to a report by China Financial News Network, China UnionPay has relied on an artificial intelligence pilot base to build a “1+1+N” large model system with an 'L0 base+L1 financial payment version+L2 scenarios' to build a multi-card computing power resource pool and a 2TB open high-quality industry data set.” Focusing on the four major fields of financial inclusion, consumption promotion, risk control compliance, and quality and efficiency improvement, we have created benchmark demonstration scenarios, and implemented more than 120 applications to enable high-quality industrial development with AI.

Supervision guides the orderly development of AI applications

On June 18, 2026, the China Financial Supervisory Administration issued the “Guiding Opinions on the Safe Development and Application of Artificial Intelligence in the Banking and Insurance Industry”. The opinion suggests that it is necessary to adhere to security development, strictly implement national cybersecurity and informatization work requirements, abide by various laws and regulations on network security and data security, strengthen technical security and application security, and comprehensively improve security protection and emergency response capabilities; insist on autonomy and control, continuously improve the level of autonomous controllability of artificial intelligence-related technology and equipment, improve independent research and development capabilities of key platforms, key software and hardware that have a significant impact on business operation development, and strengthen innovation and adaptation of information technology applications. The bank believes that this opinion will help to better regulate the healthy development of AI applications in the field of fintech.

Risk warning: Policy implementation falls short of expectations, downstream applications fall short of expectations, increased industry competition, and the risk of macroeconomic environment fluctuations.