银行Agent上岗：4200万小微经营者可用，信贷、票据、财税一把梭

TL;DR - MYbank launched Bailing 2.0, an AI banking agent available to 42 million small-business operators, alongside agent-based systems spanning credit risk, underwriting, customer outreach, and software development. The deployment shows how human-supervised agents can turn conversational requests into personalized financial services while retaining compliance and accountability controls.

• Bailing 2.0 interprets open-ended requests, gathers business context, analyzes financing needs, and generates tailored credit plans; one cited case went from a vague limit-increase request to a ¥400,000 proposal in 10 minutes.
• Eight internal AI workbenches support production workflows, including individualized risk analysis, AI-assisted underwriting, event-driven customer support, and cross-functional software delivery.
• The bank reports that AI now handles 15% of business-change requests; one weather-alert feature reached a customer-testable version in two days versus at least a month previously.
• Its “Agent First” architecture combines human decision checkpoints with layered permissions, traceable tool use, quantitative evaluation, recovery mechanisms, and a unified business knowledge base.