中國電子商務生態系統中的人工智慧轉型：整合監管、基礎設施和數位支付（2025）

AI Transformation in China's E-Commerce Ecosystem: Regulation, Infrastructure, and Digital Payments Integration 2025

出版日期: 2025年11月13日 | 出版商:

yStats.com | 英文 89 Pages | 商品交期: 最快1-2個工作天內

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簡介目錄

中國商業人工智慧的應用正在不斷擴展，但規模化仍面臨挑戰：

預計到2025年初，中國電子商務和支付產業的人工智慧應用將全面普及，並已出現廣泛應用的案例。儘管如此，人才短缺、監管複雜以及準備程度不一等問題仍然阻礙人工智慧的全面推廣。政府主導的 "人工智慧+" （AI Plus）計畫於2024年推出，旨在消除碎片化，統一應用標準。

監管與公眾信任推動人工智慧的永續成長：

中國的監管框架優先考慮負責任的人工智慧，透過嚴格的透明度、資料保護和道德運作規則來實現這一目標。 2025年的調查數據顯示，員工對人工智慧工具的信任度很高，這反映了公眾信仰的增強。產業界、學術界和政府之間的合作也不斷加強，從而強化了統一治理和長期永續發展的框架。

大規模投資和數位基礎設施正在推動中國在全球的領先地位：

中國的科技生態系統正投入大量資源提升其人工智慧能力，光是阿里巴巴就已承諾在雲端運算和人工智慧領域投入超過500億美元。螞蟻集團部署人工智慧支付系統，以及國家對雲端網路、再生能源資料中心和數位人民幣平台的投資，都在加速人工智慧的規模化發展。這些措施不僅提升了中國在商業、金融科技和物流領域的競爭力，也影響全球人工智慧標準。

本報告探討了中國電子商務生態系統中人工智慧轉型的趨勢，涵蓋人工智慧的應用趨勢和模式、功能性用例、風險管理、信任和安全措施、競爭格局、法律法規環境以及創新推動因素。

電子商務賣家經營
- 中國：人工智慧在電子商務、支付等領域的整合以及關鍵技術生態系統中的B2B平台
- 中國：人工智慧代理在商業領域的崛起、消費者行為的改變以及人工智慧+政策支持
- 中國：人工智慧在搜尋、社群網路和虛擬互動平台的應用
- 中國：生成式人工智慧的應用、零售效率的提升以及策略平台投資
- 中國：早期用戶使用的生成式人工智慧購物工具
支付與金融科技應用案例
- 中國與香港：中國人民銀行人工智慧+金融策略、金融科技週亮點、連連人工智慧解決方案
- 中國和香港：CEO報告人工智慧應用提高了效率
- 中國和香港：CEO報告人工智慧應用提高了獲利能力
- 中國：CEO報告生成式人工智慧應用增加了就業機會
- 中國：在金融、支付和商業領域整合人工智慧並嵌入治理機制平台
- 中國：搜尋引擎、企業平台與數位支付生態系統中的人工智慧應用
- 中國：對話式人工智慧支付、商家整合與支付寶數位服務拓展
- 中國：人工智慧智慧眼鏡支付、語音認證技術與全球電子錢包拓展

第五章風險管理、信任與安全

詐欺和威脅趨勢
- 中國：人工智慧應用風險的主要關注點
- 中國：DeepSeek模型、生成式人工智慧的擴展、網路威脅與資料隱私風險
- 中國：螢幕辨識人工智慧代理的整合、資料存取權限和隱私治理缺失
- 中國：老年用戶對人工智慧的接受度及其在防詐騙的應用項目
信任與準備狀況
- 中國和香港：CEO 將人工智慧融入關鍵業務流程的信心
- 中國：對人工智慧系統的信任與接受度
- 中國：人工智慧益處與風險的認知
- 中國：工作場所中人工智慧的日常使用－安全使用與信任
- 中國：具備符合倫理和法律規範的人工智慧使用所需技能和能力的員工比例
- 中國：第三方合作夥伴在人工智慧技能缺口方面的佔比，以因應符合倫理和監管規範的人工智慧使用
監理與合規
- 中國：認為需要人工智慧監管的受訪者比例
- 中國：現有法規與法律對安全使用人工智慧的充分性
- 中國：國家人工智慧路線圖、產業標準體系與多層次治理結構
- 中國：全國打擊深度偽造、人工智慧詐欺和未註冊平台
- 中國：有效人工智慧治理的主要預期效益

第六章競爭格局與人工智慧策略措施

市場規模與活動
- 中國和香港：執行長報告人工智慧應用帶來的勞動力變化
- 中國和香港：執行長對未來三年人工智慧融入勞動力和技能的預期
主要公司的策略舉措
- 中國：阿里巴巴的人工智慧投資策略、雲端擴張與平台整合
- 中國：阿里巴巴的人工智慧基礎設施擴張、與英偉達的合作以及Qwen3-Max和Qwen3-Omni的發布
- 中國：阿里巴巴的全球人工智慧和雲端投資、全球資料中心和產業合作夥伴關係
- 中國：阿里巴巴的AI驅動市場復甦、策略合作及投資者重新評估
- 中國：淘寶與天貓營收成長、AI驅動用戶擴張及88% VIP會員留存率
- 中國：生成式AI廣告在電商與社群媒體平台的拓展
- 中國：支付寶Tap！用戶成長、中小企業投資與人工智慧驅動的醫療健康融合
- 中國：長上下文聊天機器人開發、模型擴展與生成式人工智慧競賽
- 中國：凌1T模型效能、人工智慧生態系統發展與戰略金融科技融合
- 中國：智普人工智慧的GLM架構、產品生態系統與跨境融資

第七章人工智慧治理、監理與創新推動因素

公私部門人工智慧舉措
- 中國：人工智慧基礎設施、資料中心和數位人民幣系統的擴展
- 中國：運算能力擴展、資料成長、產業特定人工智慧模型與再生能源
- 中國：人工智慧在製造業、零售業和能源領域的應用，重點在於生產力和綠色創新
- 中國：政府創投基金、資助計畫與大學人工智慧創新網絡
- 中國：人工智慧+策略、教育和數據倡議以及政策重點
- 中國：人工智慧模型快速擴張、基礎設施投資增加與勞動市場失衡
- 創新框架
  - 中國：人工智慧研究成果、專利領先地位和數據驅動型創新的擴展
  - 中國：生成式人工智慧的應用、專利領先地位和自動化監控的使用
  - 中國：整合運算系統、資料治理架構與產業人工智慧策略
  - 中國：資料生成、可存取性和公私人工智慧合作
  - 中國：人工智慧人才培育、保留與體制建設
  - 中國：生成式人工智慧的領先地位、不斷提高的基準和開源模型的成長
  - 中國：人工智慧資料系統片段化、人才短缺與產業整合失衡
  - 中國：人工智慧發展、數位貨幣基礎設施與貿易體系整合
第八章：結論與策略展望
- 人工智慧在中國商業和支付領域的整合

簡介目錄

Product Code: 1706

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.

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

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