\(\overrightarrow{MB}-3\overrightarrow{MC}=\overrightarrow{0}\Leftrightarrow\overrightarrow{MB}-3\overrightarrow{MB}-3\overrightarrow{BC}=\overrightarrow{0}\)
\(\Leftrightarrow\overrightarrow{BM}=\frac{3}{2}\overrightarrow{BC}\)
\(\overrightarrow{BI}=\frac{1}{2}\left(\overrightarrow{BA}+\overrightarrow{BM}\right)=-\frac{1}{2}\overrightarrow{AB}+\frac{1}{2}.\frac{3}{2}\overrightarrow{BC}=-\frac{1}{2}\overrightarrow{AB}+\frac{3}{4}\left(\overrightarrow{BA}+\overrightarrow{AC}\right)\)
\(\Rightarrow\overrightarrow{BI}=-\frac{5}{4}\overrightarrow{AB}+\frac{3}{4}\overrightarrow{AC}\)