CMB leverages self-developed large AI models and open ecosystem capabilities to reshape intelligent wealth allocation, cross-border settlement and full-scenario financial risk control
China Merchants Bank has accelerated the layout of its AI First digital transformation strategy, integrating self-developed financial large models into core banking business to realize comprehensive intelligent upgrading of financial services.
This strategic upgrade shifts traditional tech-enabled finance toward AI-native finance, underpinned by deep integration of the proprietary Yizhao large model, CMB mobile App, wealth open platform and global cross-border financial service system. The unified intelligent interface realizes seamless matching between client demands and one-stop financial fulfillment.
The Yizhao large model now supports more than 140 core business scenarios and has exceeded one billion total service calls, lifting retail business approval efficiency by 54 percent.
Through a single intelligent consultation entry, individual and corporate clients can complete customized asset allocation, cross-border trade financing, intelligent risk inquiry and portfolio adjustment without switching multiple independent systems.
“AI is evolving from efficiency tools to core driving force reshaping financial competition,” said a senior executive of China Merchants Bank. “What we are building is an AI-native financial ecosystem closely connected with real economic demands. CMB’s AI layout focuses on translating technological advantages into tangible service value for over 160 million retail clients and massive corporate users, freeing professionals from repetitive work and delivering personalized, high-value finance.”
The initial AI application focuses on mature high-frequency scenarios where CMB holds leading industrial advantages: retail wealth management, cross-border trade finance and intelligent risk control.
In wealth management, CMB’s AI system intelligently screens over 8,500 public funds, private equity and insurance products via the Five-Star selection system, matching personalized portfolios based on risk preference and real-time market fluctuation.
In retail fund services, supported by the Zhaoyang fund manager incubation plan, the intelligent recommendation system optimizes holding cycles and income structures. In 2025, the average equity fund holder yield reached 35.7 percent, maintaining top-tier performance across the industry.
At the 2026 CMB Wealth Ecosystem Partners Conference, the bank demonstrated real-time AI wealth planning: the intelligent system generated a full-category high-net-worth asset allocation scheme within 3 minutes, simulated multi-scenario yield performance, and supported one-click subscription and dynamic holding reminder.
For the first time, CMB realized native AI financial transaction settlement through deep connection with core payment infrastructure. After explicit client confirmation, wealth product subscription and cross-border fund settlement can be completed directly inside the intelligent service interface.
Beyond core finance, CMB’s intelligent system opens authorized public service access including personal credit inquiry, corporate tax declaration and cross-border talent financial affairs, simplifying complicated administrative procedures via structured intelligent guidance.
CMB has officially launched the new AI Financial Assistant for all registered clients. Built on the Yizhao large model and multi-agent intelligent architecture, it supports complex personalized and corporate financial workflow processing in minutes
Demonstrated capabilities of the AI Financial Assistant feature include:
Generating tailored full-life-cycle wealth allocation plans and real-time dynamic portfolio adjustment alerts
Providing one-stop cross-border trade financing, intelligent document audit and foreign exchange risk management for enterprises
Simultaneously analyzing over 100 institutional research reports to extract core data and output standardized investment memorandums
Real-time industry and individual stock sentiment monitoring plus fundamental risk early warning signals
Delivering 7×24 intelligent customer service covering over 95% of daily financial consulting demands
These capabilities enable CMB to extend AI empowerment from basic efficiency improvement to high-value wealth operation, global cross-border business and institutional comprehensive services.
China Merchants Bank’s retail AUM has officially exceeded 10 trillion RMB, making it the leading joint-stock commercial bank reaching this milestone, with core mobile products recording 121 million monthly active users.
Backed by annual technology investment exceeding 13 billion RMB and iterative upgrading of the Yizhao large model, CMB’s AI strategy marks a critical milestone of intelligent transformation: converting technological leadership into scalable, verifiable, real-world financial services. The bank will further optimize model accuracy, data security and scenario penetration, targeting over 35 percent wealth management revenue ratio and 40 percent non-interest income by 2027.
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