对话招行数金办：详解FinTech基金五大投入方向

21世纪经济报道04-27 18:59

“FinTech基金的设立初衷是鼓励创新，包容失败。”招商银行数字金融发展办公室主任韦江波表示。　　近日，招商银行在2025年业绩会上提出打造智能银行。会后，韦江波接受了21世纪经济报道等媒体采访。　　招行数字金融发展办公室（数金办）的前身是2019年设立的金融科技办公室，后于2024年更名，负责制定和统筹推动全行数字金融战略规划，也负责管理和运营招行FinTech创新项目基金。　　招行...

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亿元，同比增长1.21%。据此可估算FinTech基金规模。　　韦江波表示，FinTech基金的设立并不是支持常规项目，例如不会用于保障传统IT项目。该基金的初衷是鼓励创新，包容失败。　　“对于一些不那么确定、不那么刚需、做了之后有望产生预期效果的项目，我们会在资金许可的范围内鼓励大家试错。”　　据悉，招行FinTech基金在投入方向上可分为五大部分。第一是招行的零售数字化生态，例如饭票、便民出行、缴费等；第二是企业数字化产品，包括企业数字化转型、数字政务等；第三是招行内部经营管理的数字化，用于零售、批发的中后台能力提升；第四是用于招行基础设施能力的提升，例如云平台、AI新技术的应用；第五是用于单独的创新项目，例如数字人民币、比赛、培训等。　　过去，部分银行过于注重流程管理，导致科技立项慢、审批周期长、流程繁琐，这是许多银行科技人士的苦恼。　　对于如何克服这一问题，韦江波向21世纪经济报道记者表示，招行立项通常较快，最快两周即可完成。原因在于该行的FinTech基金项目并非事先固定，只要申请的项目投入产出预期较好，往往可以顺利立项。　　“传统的IT投入往往是预分配的，预分配范围之外的项目很难实施。但FinTech基金有不同的机制，资金是按五大板块进行划分，不过具体投哪个，还要结合项目本身和今年的预期目标来决定。”　　在提出AI First理念后，招行稳步推进自主可控的大模型全体系建设。韦江波表示，去年招行在AI大模型方向的投入同比提升超过10%。　　展望2026年，在 AI 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