Proceedings of the 2025 7th International Conference on Economic Management and Cultural Industry (ICEMCI 2025)

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Analysis of the Path of Artificial Intelligence-driven Development in China’s Banking Industry: Performance, Value, and Resource Perspectives

Authors
Qizheng Wang1, *, Zhengshuo Sun2
1International Business School, Beijing University of Financial Technology, Beijing, 101100, China
2Beijing University of Financial Technology, Beijing, 101100, China
*Corresponding author. Email: 18104788885@163.com
Corresponding Author
Qizheng Wang
Available Online 3 December 2025.
DOI
10.2991/978-94-6463-888-2_22How to use a DOI?
Keywords
Artificial Intelligence; Chinese banking; Digital transformation
Abstract

In the context of artificial intelligence technology reshaping the global industrial landscape, the financial industry is facing transformational opportunities and risk challenges. This paper takes “performance enhancement - value creation - resource capability” as the analytical framework, integrates the resource-based view and Porter’s competitive advantage theory, and uses grounded theory analysis methods to select typical cases for corpus collection, identification, coding and analysis. The research shows that artificial intelligence is driving the development of China’s banking industry from the perspectives of performance, value and resources. AI technology boosts performance through intelligent risk control (reducing non-performing loan ratio by 2.3 percentage points) and process optimization (shortening credit approval time by 60%); Value creation is achieved by driving bank data assetization (a 40% increase in ESG data utilization), etc. Strengthen resource capabilities by facilitating dynamic capability building, and ultimately form a competitive advantage and advance the digital and intelligent transformation of China’s banking industry.

Copyright
© 2025 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

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Volume Title
Proceedings of the 2025 7th International Conference on Economic Management and Cultural Industry (ICEMCI 2025)
Series
Advances in Economics, Business and Management Research
Publication Date
3 December 2025
ISBN
978-94-6463-888-2
ISSN
2352-5428
DOI
10.2991/978-94-6463-888-2_22How to use a DOI?
Copyright
© 2025 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

Cite this article

risenwbib
TY  - CONF
AU  - Qizheng Wang
AU  - Zhengshuo Sun
PY  - 2025
DA  - 2025/12/03
TI  - Analysis of the Path of Artificial Intelligence-driven Development in China’s Banking Industry: Performance, Value, and Resource Perspectives
BT  - Proceedings of the 2025 7th International Conference on Economic Management and Cultural Industry (ICEMCI 2025)
PB  - Atlantis Press
SP  - 213
EP  - 226
SN  - 2352-5428
UR  - https://doi.org/10.2991/978-94-6463-888-2_22
DO  - 10.2991/978-94-6463-888-2_22
ID  - Wang2025
ER  -