Bank of Beijing

Headlines · 2

1. Oct 11
   Over a dozen Chinese banks roll out Token loans, but disbursements stay cautious

   Since 2026, more than a dozen Chinese banks have launched “Token loan” products that use token consumption as a credit reference, with Agricultural Bank of China, Bank of China, CITIC Bank, Minsheng Bank, Hua Xia Bank, Industrial Bank and Bank of Beijing among those rolling out programs, plus a cross-border “token export loan” in Shantou. Banks still focus on repayment capacity, cross-checking orders, cash flow, receivables and tax data, and actual disbursements lag credit lines — Bank of China’s Guangzhou branch had granted 28 million yuan across five borrowers by mid-September 2026 but disbursed only 8 million yuan. Academician Wu Hequan said China’s daily token calls exceeded 500 trillion as of August 2026, and the National Data Administration designated “词元” as the official Chinese term for Token in March.

   钛媒体 · 🔥 0
2. Oct 10
   Test finds only 4 of 16 Chinese banks offer a one-tap human agent

   A Shanghai Securities News reporter called customer-service lines at 16 Chinese banks (6 state-owned, 4 joint-stock, 4 city commercial and 2 rural commercial) on a weekday afternoon and a weekend morning, asking routine questions such as large-denomination certificate-of-deposit thresholds and terms and overseas debit-card withdrawal fees. Only four offered a direct route to a human, while the other 12 required several rounds of wrangling with the voice bot; Postal Savings Bank took 2 minutes 41 seconds to reach a person and Shanghai Rural Commercial Bank 2 minutes 28 seconds, though once in the queue most banks answered within 10 seconds on weekdays. The article cites industry analysts saying banks deliberately deflect standard questions to AI and reserve humans for high-risk, complex business, and argues the fix is to feed proprietary knowledge bases and real call recordings into vertical models.

   虎嗅 AI · 🔥 0

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