昆山农商银行以大模型客户画像赋能精准营销

同花顺05:42

为落实数字金融发展要求，昆山农商银行以客户画像项目为切入点，引入大模型、知识检索增强和多智能体协同能力，推动客户经营由“经验驱动”向“数据智能驱动”转型，形成“数据—洞察—建议—触达—反馈”的闭环机制。重构标签体系，让数据底座“可解释、可触达、可复盘”。围绕客户概况、资产负债、产品持有、交易行为等维度，对全行既有标签进行清洗归并，将764个基础标签精练为159个高价值实战标签，其中63个高频核心...

网页链接

免责声明：本文观点仅代表作者个人观点，不构成本平台的投资建议，本平台不对文章信息准确性、完整性和及时性做出任何保证，亦不对因使用或信赖文章信息引发的任何损失承担责任。

精彩评论

我们需要你的真知灼见来填补这片空白

发表看法

{"i18n":{"language":"zh_CN"},"isChannel":false,"data":{"share":"https://www.laohunote.com/m/news/2669431399?lang=zh_CN&edition=full","thumbnail":"","is_english":false,"pubTime":"2026-09-24 05:42","share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","id":"2669431399","market":"sh","top_or_hot":-1,"title":"昆山农商银行以大模型客户画像赋能精准营销","media":"同花顺","content":"<div>\n<p>为落实数字金融发展要求，昆山农商银行以客户画像项目为切入点，引入大模型、知识检索增强和多智能体协同能力，推动客户经营由“经验驱动”向“数据智能驱动”转型，形成“数据—洞察—建议—触达—反馈”的闭环机制。重构标签体系，让数据底座“可解释、可触达、可复盘”。围绕客户概况、资产负债、产品持有、交易行为等维度，对全行既有标签进行清洗归并，将764个基础标签精练为159个高价值实战标签，其中63个高频核心...</p>\n\n<a href=\"http://news.10jqka.com.cn/20260924/c680231161.shtml\">网页链接</a>\n\n</div>\n","source":"tonghuashun_highlight","html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>昆山农商银行以大模型客户画像赋能精准营销</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\n昆山农商银行以大模型客户画像赋能精准营销\n</h2>\n\n<h4 class=\"meta\">\n\n\n2026-09-24 05:42 北京时间&nbsp;&nbsp;&nbsp;<a href=http://news.10jqka.com.cn/20260924/c680231161.shtml><strong>同花顺</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>为落实数字金融发展要求，昆山农商银行以客户画像项目为切入点，引入大模型、知识检索增强和多智能体协同能力，推动客户经营由“经验驱动”向“数据智能驱动”转型，形成“数据—洞察—建议—触达—反馈”的闭环机制。重构标签体系，让数据底座“可解释、可触达、可复盘”。围绕客户概况、资产负债、产品持有、交易行为等维度，对全行既有标签进行清洗归并，将764个基础标签精练为159个高价值实战标签，其中63个高频核心...</p>\n\n<a href=\"http://news.10jqka.com.cn/20260924/c680231161.shtml\">网页链接</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","isBrief":false,"type":0,"news_type":1,"symbol":"EPAI","symbol_name":"Harbor AI Inflection Strategy ETF","start_time":0,"source_url":"http://news.10jqka.com.cn/20260924/c680231161.shtml","article_id":"2669431399","we_media_id":null,"thumbnails":[],"rights":{"source":"tonghuashun_highlight","url":"http://news.10jqka.com.cn/20260924/c680231161.shtml","rn_cache_url":null,"directOrigin":true},"url":"https://stock-news.laohu8.com/highlight/detail?id=2669431399","pubTimestamp":1790199720,"columns":[],"sourceInfo":{"source_id":"tonghuashun_highlight","name":"同花顺"},"weMediaInfo":null,"summary":"为落实数字金融发展要求，昆山农商银行以客户画像项目为切入点，引入大模型、知识检索增强和多智能体协同能力，推动客户经营由“经验驱动”向“数据智能驱动”转型，形成“数据—洞察—建议 ...","collect":0,"end_time":0,"defaultTopTitle":"10jqka.com.cn","property":[],"viewcount":null,"language":"zh","relate_stocks":{"161121":"银行","EPAI":"Harbor AI Inflection Strategy ETF","GPTZ":"AGI Readiness ETF","WISE":"THEMES GENERATIVE ARTIFICIAL INTELLIGENCE ETF","LRNZ":"TrueShares Technology, AI & Deep Learning ETF"},"translate_title":"Kunshan Rural Commercial Bank empowers precision marketing with large-scale customer profiling models.","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"161121":1.5,"WISE":1.5,"EPAI":1.5,"GPTZ":1.5,"LRNZ":1.5},"content_text":"为落实数字金融发展要求，昆山农商银行以客户画像项目为切入点，引入大模型、知识检索增强和多智能体协同能力，推动客户经营由“经验驱动”向“数据智能驱动”转型，形成“数据—洞察—建议—触达—反馈”的闭环机制。重构标签体系，让数据底座“可解释、可触达、可复盘”。围绕客户概况、资产负债、产品持有、交易行为等维度，对全行既有标签进行清洗归并，将764个基础标签精练为159个高价值实战标签，其中63个高频核心指标用于快速识别客户状态，96个场景化标签服务普惠、消费（883434）、养老等场景。统一画像框架解决了过去数据分散、字段口径不一等问题，客户经理获取信息由“多系统查询、多页面拼接”转化为“画像集中呈现”，访前准备和客户理解成本显著下降。打造画像“一页纸”，让客户经理快速看懂客户。按照“客户现状—行为趋势—潜在需求—建议动作—风险提示”逻辑，将分散信息转化为自然语言化、场景化、可追溯的画像报告。单客画像由过去数分钟级人工拼接缩短至秒级自动生成，批量名单洞察由小时级压缩至分钟级，客户触达更加精准，有效回复和意向反馈占比有所提升。建设多智能体协同机制，让服务建议既精准又合规。客户洞察智能体负责动态关联离散标签，话术推荐智能体生成沟通建议，风控合规模块对敏感信息、误导性表述、权限边界进行校验，实现“先召回、再生成、后校验”。大模型承担信息总结与洞察生成，客户经理保留判断、编辑和确认职责，既提升效率，也守住审慎经营边界。联动智能信贷和精准营销，让画像能力落到业务场景。结合交易、资金、经营等情况辅助识别潜在客户，推动画像从“看得懂”走向“用得上”，该行正向网点经营、普惠金融、养老金融、消费（883434）金融及贷后风险预警等领域轻量化复制推广。朱文涛","kind":"highlight","is_publish_news":true,"is_publish_highlight":false,"is_publish_live":false,"is_publish_wemedia":false,"editions":null,"column":"","sentiment":"0","news_tag":"","news_rank":0,"isVideo":false,"video":null,"symbols":[],"gpt_button":1,"need_auth":false,"need_login_tip":false,"code":"91000000","status":"200"},"commentList":[],"isCommentEnd":true,"newsSizeData":{"likeSize":0,"commentSize":0,"repostSize":0,"favoriteSize":0,"likeStatus":false,"favoriteStatus":false},"APP":{"userAgent":"Mozilla/5.0 AppleWebKit/537.36 (KHTML, like Gecko; compatible; ClaudeBot/1.0; +claudebot@anthropic.com)","isDev":false,"isTTM":false,"isLaohu8Offline":false,"tenantId":"TBCN","deviceId":"web-server-community-laohu8-v3","version":"4.50.1","shortVersion":"4.50.1","platform":"web","vendor":"web","appName":"laohu8","isIOS":false,"isAndroid":false,"isTiger":false,"isTHS":false,"isWeiXin":false,"isWeiXinMini":false,"isWeiBo":false,"isQQ":false,"isBaiduSwan":false,"isBaiduBox":false,"isDingTalk":false,"isToutiao":false,"isOnePlus":false,"isHuaWei":false,"isXiaomi":false,"isXiaomiWebView":false,"isOppo":false,"isVivo":false,"isSamsung":false,"isMobile":false},"href":"/m/news/2669431399","isCrawlerRequest":true}