In the wave of AI, how large asset management institutions can reshape their investment research "brain" has become an unavoidable question for top public fund companies.

This is both due to duty. As the "ballast stone" for professional investment in the capital market, how to reconstruct its core capabilities in the digital age is not only related to the high-quality development of the industry, but also to the wealth appreciation and pension security of billions of holders in the public fund industry.

Meanwhile, this is also an inevitable choice in line with the trend. The Action Plan for Promoting the High Quality Development of Public Funds clearly proposes to accelerate the construction of a "platform based, integrated, and multi strategy" investment research system. In this wave of transformation, financial technology has deeply integrated into the entire chain of asset management, from data governance and factor mining to investment decision-making, transaction execution, compliance risk control, and performance evaluation. Intelligent investment research systems are upgrading from backend tools to frontend combat capabilities.

As a leading institution in the industry, ICBC Credit Suisse Fund adheres to strategic deep cultivation and long-term investment, deeply embedding cutting-edge technologies such as AI big models, intelligent agents, and RPA into the core of investment research. It has achieved breakthrough implementation in complex scenarios such as intelligent operation of pension funds, providing a transformation sample from "tool empowerment" to "value creation" for the entire industry and becoming a model for the deepening of the "AI+" action in the field of asset management.

Hard core investment! Multidimensional layout of manpower, computing power, and platform

In the view of ICBC Credit Suisse, investment research is the core production link of asset managers. The positioning of investment research systems in the overall digital transformation strategy is not simply a technical tool, but rather the foundation of investment research productivity and the core center of the company's digital transformation.

Based on this strategic understanding, ICBC Credit Suisse aims to anchor the vision of a first-class investment institution with digital and intelligent leading advantages in the construction industry, and incorporate the construction of investment research systems into the overall high-quality development plan. The company aims to lead business transformation with new quality productivity and promote the digitization and intelligent upgrading of the entire investment research business process by building a new generation of asset management platform, implementing the "AI+" and "Data Element X" actions.

This high-level positioning in top-level design lays the foundation for its subsequent continuous resource investment and technological breakthroughs.

The implementation of strategy relies on the investment of real money and long-term accumulation. ICBC Credit Suisse's layout in the investment research system was not achieved overnight. The company has continuously strengthened its technology investment for many years, and has successively built systems for fixed income research, equity research, fund research, portfolio management, and over-the-counter trading, gradually building a digital platform covering multiple asset classes.

In the past three years, this investment has shown a continuous trend of increasing, particularly evident in the two key elements of manpower and computing power.

In terms of human resources, the company keeps up with the development trend of artificial intelligence, accelerates the systematic layout of scientific and technological talents, and coordinates the construction of a three pillar digital talent system consisting of professional technical talents (IT), data analyst talents (DT), and digital operation talents (OT), promoting the front-line business of scientific and technological forces. The company's own scientific and technological personnel team has entered the forefront of the industry.

In terms of computing power, facing the challenges brought by AI big models, ICBC Credit Suisse has been firmly promoting the privatization and deployment of big models since 2023, and has successfully launched diversified services such as general generation, programming agents, multimodal and OCR. At present, the company adopts a dual track strategy of "procurement+leasing" to reserve computing power, and is actively evaluating expansion plans to cope with the surge in computing power demand brought about by the popularization of trillion parameter models and the long context scenarios of intelligent agents.

In terms of platform construction, after years of continuous iteration, the company has built a platform covering fixed income, equity FOF、 The digital and intelligent investment research platform system, which integrates multiple asset categories such as indices and quantification, and connects business processes such as research, investment, trading, and risk control, has formed significant technological barriers.

Intelligent reconstruction and comprehensive empowerment from research, investment to risk control

When this massive system is put into operation, it will have a comprehensive impact on the transformation of the research and development production line.

On the research side, ICBC Credit Suisse's core functions such as research report management, stock pool, investment research joint meeting, simulation combination, and AI audio and video analysis have fully digitized research activities, processes, and results that relied on researchers' personal experience and manual organization in the past, greatly improving research efficiency and knowledge accumulation ability. Explore the construction of a buyer thinking deep research workflow for "intelligent agent collaboration+manual key node control", covering industries, companies, and thematic research, directly empowering investment managers and researchers.

On the investment side, the system has built an integrated management loop covering pre investment, in investment, and post investment, supporting the management of over 1000 combinations such as social security, pension, public funds, annuities, and special accounts. The system has over 700 combination level indicators and 300+bond level indicators built-in, supporting performance attribution and similar ranking, helping investors to timely review and optimize strategies.

On the trading side, intelligent driving has become the core engine for efficiency improvement. Faced with high-frequency trading scenarios, the traditional manual mode has reached the efficiency ceiling. By introducing AI algorithms and automated execution systems in key scenarios, not only has the bottleneck of transaction processing been overcome, but real-time intelligent risk control barriers have also been constructed, promoting the gradual transition of trading modes towards "intelligent decision-making". By the end of 2025, relying on the intelligent trading center, the daily transaction scale has exceeded 200 billion yuan, with an average of over 5000 transactions per day, accounting for nearly 60% of interbank transactions, fully ensuring the accuracy and security of massive transactions.

On the compliance and risk control side, fintech demonstrates the key value of "rigid" constraints. ICBC Credit Suisse adheres to the principle of balancing compliance and risk control with business development, and rigidly embeds risk control rules into the investment decision-making process through three aspects: firstly, promoting the comprehensive integration of intelligent investment research platforms and intelligent risk control platforms, placing compliance requirements such as shareholding concentration and liquidity constraints in the investment trial stage, and achieving "compliance first, investment later"; Secondly, promote the online operation of over-the-counter trading business and embed risk control verification into the transaction execution process; The third is to build an IBOR real-time trading data center, providing data base support for the real-time execution of risk control rules.

Under the strong empowerment of intelligent construction, the capabilities of ICBC Credit Suisse in investment research and risk control have been continuously improved, and significant results have been achieved in platform construction. The stable operation of various product combinations and leading investment performance. As of September 30, 2026, according to data from Guotai Haitong Securities, among large equity fund companies, ICBC Credit Suisse ranked third in absolute returns over the past seven years (3/13).

As of the end of the first half of 2026, the total assets under management of ICBC Credit Suisse exceeded 2.5 trillion yuan, ranking first among banking fund companies and fourth in the industry. According to the IPE "2025 Global Asset Management 500" list, ICBC Credit Suisse ranks 96th.

Tackling deep waters, the 'hardcore' model for intelligent operation of pension funds

Among numerous AI application scenarios, the intelligent operation of pension funds by ICBC Credit Suisse is regarded as a highly exemplary practice in the industry, and is also a typical representative of its AI capabilities moving from "tool empowerment" to "value creation" in the deep water area.

As one of the few asset management institutions in the industry with a full license for pension business, ICBC Credit Suisse has built a three pillar service system with excellent scale and performance after years of deep cultivation.

The investment management of pension funds places extremely high demands on the investment and research capabilities of management institutions due to their unique fund attributes, long investment periods, stable risk preferences, and strict regulatory requirements. In addition, the pension business has multiple rigid compliance constraints in terms of duration matching, income calculation, and investment ratio control. The business rules are complex, and the threshold for AI implementation is extremely high. Mature practices for reference in China are relatively scarce.

The one-stop intelligent pension management platform built by ICBC Credit Suisse integrates AI capabilities throughout the entire process of pension investment: automatically verifies two sets of regulatory system rules to avoid regulatory red lines; Conduct multi scenario long-term and income calculations for trillion level annuity assets to assist in asset liability matching decisions; Link RPA digital workforce to automatically identify and handle various operational anomalies. The project construction achievements have won the second prize of the Financial Technology Development Award of the People's Bank of China.

Strengthening the cultivation of AI genes and creating a new ecosystem for digital fund companies

Faced with the wave of digital transformation in the asset management industry, under the guidance of ICBC Group's "AI-ICBC" strategy, ICBC Credit Suisse has comprehensively implemented the "Leading AI+Action Plan" with the goal of "Digital Intelligence ICBC Credit Suisse", focusing on breakthroughs in five core competencies: application comprehensiveness, entrance intensification, knowledge assetization, technology systematization, and talent specialization. It has comprehensively deepened the high-level application of artificial intelligence in internal management, gradually explored and launched customer service applications, and promoted the accelerated evolution of the company's intelligence.

ICBC Credit Suisse also activates the innovation vitality of all employees' digital intelligence through measures such as salons, lectures, and skill competitions, and cultivates a soil for AI empowerment. The company conducts regular training such as the "FinTech Lecture Hall" and digital salon, and holds the "Maker Marathon AI Maker" series of competitions, covering typical cases of investment research, risk control, operation, digital office and other business lines. It deeply explores frontline creative scenarios, quickly incubates AI prototype projects, and builds a linkage mechanism of "technology breakthrough+business spontaneous innovation" to fully activate the AI innovation vitality of various business lines.

Artificial intelligence is reshaping thousands of industries at an unexpected speed, and investment research in the asset management industry is undergoing a profound transformation. In the productivity transformation of the public fund industry, the effectiveness of this exploration may have a profound impact on the future competitive landscape of the public fund industry.

Risk Warning: The fund manager manages and utilizes the fund assets in accordance with the principles of due diligence, honesty, prudence, and diligence, but does not guarantee that the fund will always make a profit or a minimum return. Past performance of a fund does not predict future performance, and the performance of other funds managed by the fund manager does not constitute a guarantee of fund performance. Funds carry risks, and investors should carefully read the "Fund Contract," "Prospectus," "Summary of Fund Product Information," and updated legal documents before investing in the fund. Based on a comprehensive understanding of the product situation, fee structure, charging standards of various sales channels, and listening to the opinions of sales institutions, they should choose investment products that are suitable for their own risk tolerance. Fund investment must be cautious.