Amid the rapid development of artificial intelligence technology, more and more city commercial banks are participating in the bidding for large models. According to the latest information, more than 10 small and medium-sized banks have recently initiated tenders for projects related to large models, indicating intensified competition in this field. These banks hope to optimize existing financial service processes and improve operational efficiency through large model technology, thereby providing customers with better services.

For example, Beibu Gulf Bank in Guangxi recently released a tender notice for the "Large Model Intelligent Computing Platform Project." Although the specific budget was not disclosed, the bid price in one of the bank's previous winning projects reached 3.58 million yuan. In addition, the tender amounts for other banks such as Shengjing Bank and Guiyang Bank are also in the millions, showing the active exploration of city commercial banks in this area.

Money Capital Financing

Industry experts pointed out that the bidding projects of small and medium-sized banks mainly focus on the application layer of large models, rather than the foundational level. This kind of investment usually ranges from 2 million to 6 million yuan, with a relatively moderate investment scale and high cost-effectiveness. Such investment not only helps enhance the bank's brand image but also effectively improves customer service efficiency. Especially against the backdrop of upgrading branch technology equipment, banks can enhance service quality through these technologies.

Notably, state-owned major banks and joint-stock banks still lead in the application of large models. Their technological investments often reach the level of hundreds of millions, aiming not only to reduce costs and improve efficiency but also to create new revenue. For example, China Construction Bank has already achieved significant results in multiple areas such as customer service, precise marketing, and risk control through large model technology.

According to the "2025 China Banking Large Model Application Tracking Report," the application of large models has gradually moved from the initial exploratory stage to multi-scenario pilot applications. With the continuous maturation of technology, it is expected that more banks will join this trend in the future, forming a more complete large model capability system.

Driven by technology, the banking industry is moving toward a new era of intelligent transformation, and large models are undoubtedly a key driver in this process.