中国电子商务生态系统中的人工智慧转型：整合监管、基础设施和数位支付（2025）

中国商业人工智慧的应用正在不断扩展，但规模化仍面临挑战：

预计到2025年初，中国电子商务和支付产业的人工智慧应用将全面普及，并已出现广泛应用的案例。儘管如此，人才短缺、监管复杂以及准备程度不一等问题仍然阻碍人工智慧的全面推广。政府主导的 "人工智慧+" （AI Plus）计画于2024年推出，旨在消除碎片化，统一应用标准。

监管与公众信任推动人工智慧的永续成长：

中国的监管框架优先考虑负责任的人工智慧，透过严格的透明度、资料保护和道德运作规则来实现这一目标。 2025年的调查数据显示，员工对人工智慧工具的信任度很高，这反映了公众信仰的增强。产业界、学术界和政府之间的合作也不断加强，从而强化了统一治理和长期永续发展的框架。

大规模投资和数位基础设施正在推动中国在全球的领先地位：

中国的科技生态系统正投入大量资源提升其人工智慧能力，光是阿里巴巴就已承诺在云端运算和人工智慧领域投入超过500亿美元。蚂蚁集团部署人工智慧支付系统，以及国家对云端网路、再生能源资料中心和数位人民币平台的投资，都在加速人工智慧的规模化发展。这些措施不仅提升了中国在商业、金融科技和物流领域的竞争力，也影响全球人工智慧标准。

本报告探讨了中国电子商务生态系统中人工智慧转型的趋势，涵盖人工智慧的应用趋势和模式、功能性用例、风险管理、信任和安全措施、竞争格局、法律法规环境以及创新推动因素。

目录

第一章：要点总结

第二章：管理概要

第三章：人工智慧应用现况及模式

• 中国：应用基准
  • 中国：人工智慧应用率
  • 中国：生成式人工智慧的应用
  • 中国：组织机构中的生成式人工智慧应用
• 卖家区隔及障碍
  • 中国：人工智慧应用的主要障碍及应用风险

第四章：依功能划分的应用案例及经济影响

• 电子商务卖家经营
  • 中国：人工智慧在电子商务、支付等领域的整合以及关键技术生态系统中的B2B平台
  • 中国：人工智慧代理在商业领域的崛起、消费者行为的改变以及人工智慧+政策支持
  • 中国：人工智慧在搜寻、社群网路和虚拟互动平台的应用
  • 中国：生成式人工智慧的应用、零售效率的提升以及策略平台投资
  • 中国：早期用户使用的生成式人工智慧购物工具
• 支付与金融科技应用案例
  • 中国与香港：中国人民银行人工智慧+金融策略、金融科技週亮点、连连人工智慧解决方案
  • 中国和香港：CEO报告人工智慧应用提高了效率
  • 中国和香港：CEO报告人工智慧应用提高了获利能力
  • 中国：CEO报告生成式人工智慧应用增加了就业机会
  • 中国：在金融、支付和商业领域整合人工智慧并嵌入治理机制平台
  • 中国：搜寻引擎、企业平台与数位支付生态系统中的人工智慧应用
  • 中国：对话式人工智慧支付、商家整合与支付宝数位服务拓展
  • 中国：人工智慧智慧眼镜支付、语音认证技术与全球电子钱包拓展

第五章 风险管理、信任与安全

• 诈欺和威胁趋势
  • 中国：人工智慧应用风险的主要关注点
  • 中国：DeepSeek模型、生成式人工智慧的扩展、网路威胁与资料隐私风险
  • 中国：萤幕辨识人工智慧代理的整合、资料存取权限和隐私治理缺失
  • 中国：老年用户对人工智慧的接受度及其在防诈骗的应用项目
• 信任与准备状况
  • 中国和香港：CEO 将人工智慧融入关键业务流程的信心
  • 中国：对人工智慧系统的信任与接受度
  • 中国：人工智慧益处与风险的认知
  • 中国：工作场所中人工智慧的日常使用－安全使用与信任
  • 中国：具备符合伦理和法律规范的人工智慧使用所需技能和能力的员工比例
  • 中国：第三方合作伙伴在人工智慧技能缺口方面的占比，以因应符合伦理和监管规范的人工智慧使用
• 监理与合规
  • 中国：认为需要人工智慧监管的受访者比例
  • 中国：现有法规与法律对安全使用人工智慧的充分性
  • 中国：国家人工智慧路线图、产业标准体系与多层次治理结构
  • 中国：全国打击深度伪造、人工智慧诈欺和未註册平台
  • 中国：有效人工智慧治理的主要预期效益

第六章 竞争格局与人工智慧策略措施

• 市场规模与活动
  • 中国和香港：执行长报告人工智慧应用带来的劳动力变化
  • 中国和香港：执行长对未来三年人工智慧融入劳动力和技能的预期
• 主要公司的策略举措
  • 中国：阿里巴巴的人工智慧投资策略、云端扩张与平台整合
  • 中国：阿里巴巴的人工智慧基础设施扩张、与英伟达的合作以及Qwen3-Max和Qwen3-Omni的发布
  • 中国：阿里巴巴的全球人工智慧和云端投资、全球资料中心和产业合作伙伴关係
  • 中国：阿里巴巴的AI驱动市场復苏、策略合作及投资者重新评估
  • 中国：淘宝与天猫营收成长、AI驱动用户扩张及88% VIP会员留存率
  • 中国：生成式AI广告在电商与社群媒体平台的拓展
  • 中国：支付宝Tap！用户成长、中小企业投资与人工智慧驱动的医疗健康融合
  • 中国：长上下文聊天机器人开发、模型扩展与生成式人工智慧竞赛
  • 中国：凌1T模型效能、人工智慧生态系统发展与战略金融科技融合
  • 中国：智普人工智慧的GLM架构、产品生态系统与跨境融资

第七章 人工智慧治理、监理与创新推动因素

• 公私部门人工智慧举措
  • 中国：人工智慧基础设施、资料中心和数位人民币系统的扩展
  • 中国：运算能力扩展、资料成长、产业特定人工智慧模型与再生能源
  • 中国：人工智慧在製造业、零售业和能源领域的应用，重点在于生产力和绿色创新
  • 中国：政府创投基金、资助计画与大学人工智慧创新网络
  • 中国：人工智慧+策略、教育和数据倡议以及政策重点
  • 中国：人工智慧模型快速扩张、基础设施投资增加与劳动市场失衡
  • 创新框架
    • 中国：人工智慧研究成果、专利领先地位和数据驱动型创新的扩展
    • 中国：生成式人工智慧的应用、专利领先地位和自动化监控的使用
    • 中国：整合运算系统、资料治理架构与产业人工智慧策略
    • 中国：资料生成、可存取性和公私人工智慧合作
    • 中国：人工智慧人才培育、保留与体制建设
    • 中国：生成式人工智慧的领先地位、不断提高的基准和开源模型的成长
    • 中国：人工智慧资料系统片段化、人才短缺与产业整合失衡
    • 中国：人工智慧发展、数位货币基础设施与贸易体系整合

  第八章：结论与策略展望

  • 人工智慧在中国商业和支付领域的整合

China expands enterprise AI use amid persistent scaling challenges

AI usage across China's E-Commerce and payments industries has reached full deployment, with widespread adoption reported in early 2025. Despite this progress, talent gaps, regulatory complexity, and uneven readiness continue to slow broad scaling. Government-led "AI Plus" programs introduced in 2024 aim to reduce fragmentation and unify deployment standards.

Regulation and public confidence support sustainable AI growth

China's regulatory framework prioritizes responsible AI through strict rules on transparency, data protection, and ethical operation. Survey data from 2025 shows strong employee confidence in AI tools, reflecting growing public trust. Partnerships across industry, universities, and government continue to reinforce consistent governance and long-term sustainability.

Heavy investment and digital infrastructure fuel China's global leadership

China's technology ecosystem is committing massive resources to advance AI capacity, with Alibaba alone pledging over USD 50 billion for cloud and AI development. Ant Group's rollout of AI-powered payment systems and national investment in cloud networks, renewable-energy data centers, and digital yuan platforms are accelerating scalability. These combined efforts enhance China's competitiveness across commerce, fintech, and logistics while influencing global AI standards.

Table of Contents

1. Key Takeaways

2. Management Summary

3. AI Adoption Landscape & Patterns

• 3.1. China: Adoption Benchmarks
  • China: Adoption of AI, in % of Respondents, Nov 2024 - Jan 2025
  • China: Generative AI Adoption, in % of Respondents, July 2024
  • China: Generative AI Implementation in Organizations, in % of Respondents, July 2024
• 3.2. Seller Segmentation & Barriers
  • China: Top Barriers About Risks Associated with AI Use and Implementation, in % of Respondents, Sep - Oct 2024

4. Functional Use Cases & Economic Impact

• 4.1. E-Commerce Seller Operations
  • China: AI Integration Across E-Commerce, Payments, and B2B Platforms via Leading Tech Ecosys., Nov 2025
  • China: AI Agent Expansion in Commerce, Shifting Consumer Behavior, and "AI Plus" Policy Support, Nov 2025
  • China: AI Integration in Search, Social Networking, and Virtual Interaction Platforms, Oct 2025
  • China: Generative AI Adoption, Retail Efficiency Gains, and Strategic Platform Investment, Nov 2025
  • China: Practical Use of Generative AI Shopping Tools Among Early-Adopting Consumers, Aug 2024
• 4.2. Payments & FinTech Use Cases
  • China & Hong Kong: PBoC "AI + Finance" Strategy, FinTech Week Highlights, and LianLian AI Solutions, Nov 2025
  • China & Hong Kong: CEO Reports of Efficiency Gains from AI Adoption, in % of Respondents, 2025
  • China & Hong Kong: CEO Reports of Profitability Improvements from AI Adoption, in % of Respondents, 2025
  • China: CEO Reports of Job Growth Resulting from Generative AI Adoption, in % of Respondents, 2025
  • China: AI Integration Across Finance, Payments, and Commerce Platforms with Built-In Governance, Nov 2025
  • China: AI Deployment in Search Engines, Enterprise Platforms, and Digital Payment Ecosystems, Oct 2025
  • China: Conversational AI Payments, Merchant Integration, Alipay's Digital Service Expansion, Oct 2025
  • China: AI Smart Glasses Payments, Voice Authentication Technology, and Global E-Wallet Expansion, Nov 2025

5. Risk Management, Trust & Security

• 5.1. Fraud & Threat Trends
  • China: Top Concerns About Risks Associated with AI Use, in % of Respondents, Sep - Oct 2024
  • China: DeepSeek Model, Generative AI Expansion, Cyber Threats, and Data-Privacy Risks, Oct 2025
  • China: Integration of Screen-Aware AI Agents, Data Access Permissions, and Privacy Gover. Gaps, Oct 2025
  • China: AI Adoption Among Elderly Users and Integration in Fraud Prevention Programs, Oct 2025
• 5.2. Trust & Readiness
  • China & Hong Kong: CEO Trust in Integrating AI into Core Business Processes, in % of Respondents, 2025
  • China: Trust and Acceptance of AI Systems, in % of Respondents, Nov 2024 - Jan 2025
  • China: Views of AI Benefits Over Risks, Nov 2024 - Jan 2025
  • China: Regular Use and Trust of AI at Work, Nov 2024 - Jan 2025
  • China: Share of Employees with Required AI Skills and Capabilities for Ethical and Legal AI Use, in % of Respondents, Sep - Oct 2024
  • China: Share of Third-Party Partnerships on AI Skills Gaps for Ethical and Compliant AI Use, in % of Respondents, Sep - Oct 2024
• 5.3. Regulation & Compliance
  • China: Views on the Need for AI Regulation, in % of Respondents, Nov 2024 - Jan 2025
  • China: Adequacy of AI Regulation and Laws for Safe Use, in % of Respondents, Nov 2024 - Jan 2025
  • China: National AI Roadmap, Industry Standards System, and Multi-Level Governance Structure, Nov 2025
  • China: National Crackdown on Deepfakes, AI Fraud, and Unregistered Platforms, Oct 2025
  • China: Top Expected Benefits of Effective AI Governance, in % of Respondents, Sep - Oct 2024

6. Competitive Landscape & Strategic AI Movement

• 6.1. Market Scale & Activity
  • China & Hong Kong: CEO Reports of Workforce Changes from AI Adoption, in % of Respondents, 2025
  • China & Hong Kong: CEO Expectations for AI Integration in Workforce and Skills in Next 3 Years, in % of Respondents, 2025
• 6.2. Strategic Moves by Key Players
  • China: Alibaba's AI Investment Strategy, Cloud Expansion, and Platform Integration, Nov 2025
  • China: Alibaba's AI Infrastructure Expansion, Nvidia Partnership, and Launch of Qwen3-Max and Qwen3-Omni, Nov 2025
  • China: Alibaba's Global AI and Cloud Investments, Global Data Centers, and Industry Partnerships, Oct 2025
  • China: Alibaba's AI-Driven Market Revival, Strategic Partnerships, and Investor Revaluation, Oct 2025
  • China: Taobao and Tmall's Revenue Growth, AI-Powered User Expansion, and 88VIP Membership Retention, Nov 2025
  • China: Expansion of Generative AI Advertising Across E-Commerce and Social Media Platforms, Nov 2025
  • China: Alipay Tap!'s User Growth, SME Investment, and AI-Powered Healthcare Integration, Nov 2025
  • China: Long-Context Chatbot Development, Model Scaling, and Generative AI Competition, Oct 2025
  • China: Ling-1T Model Performance, AI Ecosystem Development, and Strategic Fintech Integration, Oct 2025
  • China: Zhipu AI's GLM Architecture, Product Ecosystem, and Cross-Border Funding, Oct 2025

7. AI Governance, Regulation & Innovation Enablers

• 7.1. Public & Private Sector AI Initiatives
  • China: Expansion of AI Infrastructure, Data Centers, and Digital Yuan Systems, Nov 2025
  • China: Computing Capacity, Data Growth, Sectoral AI Models, and Renewable Energy Expansion, Nov 2025
  • China: AI in Manufacturing, Retail, and Energy Focused on Productivity and Green Innovation, Nov 2025
  • China: Government Venture Funds, Subsidy Programs, and Uni.-Linked AI Innovation Networks, Oct 2025
  • China: AI+ Strategy, Education and Data Initiatives, and Policy Priorities, Oct 2025
  • China: Rapid AI Model Expansion, Rising Infrastructure Investment, and Labor Market Imbalance, Nov 2025
• 7.2. AI Innovation Frameworks
  • China: AI Research Output, Patent Leadership, and Data-Driven Innovation Expansion, Oct 2025
  • China: Generative AI Adoption, Patent Leadership, and Automated Monitoring Use, Oct 2025
  • China: Unified Computing System, Data Governance Frameworks, and Industrial AI Strategy, Oct 2025
  • China: Data Generation, Accessibility, and Public-Private AI Collaboration, Oct 2025
  • China: AI Talent Production, Retention, and Institutional Development, Oct 2025
  • China: Generative-AI Leaders, Benchmark Gains, and Open-Source Model Growth, Oct 2025
  • China: Fragmented AI Data Systems, Limited High-End Talent, and Uneven Industrial Integration, Nov 2025
  • China: Integration of AI Development, Digital Currency Infrastructure, and Trade Systems, Oct 2025

8. Conclusion & Strategic Outlook

• Conclusion & Strategic Outlook: AI Integration in China's Commerce and Payments (1/2), Nov 2025
• Conclusion & Strategic Outlook: AI Integration in China's Commerce and Payments (2/2), Nov 2025