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美国住房援助体系的历史、现状及启示
腾讯研究院· 2025-05-15 09:49
Core Viewpoint - The article discusses the U.S. housing assistance system, which primarily relies on the private housing market and has a low coverage of social security functions, benefiting only 2.7% of the total population. Despite its small scale, the system has nearly a century of history, undergoing multiple revisions and improvements, and has developed some equitable and efficient institutional arrangements worth studying and learning from [2][4][26]. Group 1: Overview of the U.S. Housing Assistance System - The U.S. housing assistance system is funded by the federal government and executed by state and local governments, providing support to low-income families through three main forms: public rental housing, project-based rental assistance, and housing vouchers [2][5][6]. - The system has evolved since the 1930s, with significant changes in the 1960s to incorporate the private sector, leading to a shift towards a model where private housing sources dominate, and public housing plays a supplementary role [6][9]. - As of 2023, approximately 5.13 million units are included in the housing assistance system, accounting for 3.6% of the total housing stock, with public housing making up only 17.3% of the assistance forms [9][12]. Group 2: Evaluation and Management of Public Housing - The federal government has established a multi-dimensional public housing evaluation system to monitor and assess local public housing agencies, ensuring efficiency and quality in operations [3][15]. - Local public housing agencies are responsible for managing applications and setting rent standards, with eligibility typically requiring income below 80% of the area median income [15][16]. - Due to insufficient funding and limited housing stock, many eligible families face long waiting times, averaging 25 months, to receive assistance [16]. Group 3: Financing Support for Homebuyers - Beyond public housing, the federal government has set up official or semi-official institutions to provide mortgage insurance and support mortgage securitization, helping homebuyers improve financing conditions and reduce costs [18][20]. - The establishment of the Home Owner's Loan Corporation in 1933 and the Federal Housing Administration in 1934 marked significant steps in providing long-term, fixed-rate mortgage products to stabilize the housing market [19][20]. - By 2023, the U.S. housing mortgage market has grown to nearly $14 trillion, with the mortgage-to-GDP ratio exceeding 50%, indicating a robust financing environment for homebuyers [20][23]. Group 4: Lessons and Insights - The U.S. housing assistance system, while limited in scope, has developed effective practices over nearly a century that balance equity and efficiency, such as the division of responsibilities between federal and local governments [26][30]. - The establishment of a comprehensive evaluation and incentive mechanism by the Department of Housing and Urban Development (HUD) helps prevent local agencies from neglecting management in favor of supply [31]. - The relationship between government and the market is crucial, as the system relies heavily on private housing resources while the government provides necessary support to facilitate homeownership [32].
腾讯研究院AI速递 20250515
腾讯研究院· 2025-05-14 13:51
生成式AI 一、 AI 笔记产品 Notion 今天发布了 3 个 AI 新功能 All-In-One 1. Notion新发布AI会议笔记功能实现无感深度集成,用户只需输入/meet命令即可自动记 录,并与日历系统完全打通; 2. 另外推出企业级AI功能,包括Notion AI for Work和Research Mode,已对接10个应用集 成,计划再增加20多个; 3. Notion定位打造All-In-One AI平台,每月20美元包含企业AI搜索、会议笔记等全套无限 制功能。 https://mp.weixin.qq.com/s/WqRMy4Hc5VAaLC-Bt8FMyA 二、 腾讯代码助手出了个插件版"Cursor",还跟微信小程序打通了 1. 腾讯云推出代码助手CodeBuddy 3.0,采用插件形式可集成多种IDE,突破了传统AI IDE 产品的使用局限性; 2. CodeBuddy独特优势在于与微信开发者工具深度整合,可快速开发小程序,并完全打通微 信生态的知识库、API等资源; 3. 通过实际测试,CodeBuddy能在30分钟内完成小程序开发,AI时代将技术与社交生态优势 相结合至关重 ...
如何应对无聊,是后稀缺时代的最大挑战
腾讯研究院· 2025-05-14 08:35
Core Viewpoint - The book "Deep Utopia: Life and Meaning in a Solved World" by Nick Bostrom explores the potential for an ideal society in the context of rapid technological advancement, questioning how such a society could be achieved and what it would mean for humanity [3][4][14]. Summary by Sections Author Background - Nick Bostrom, born in 1973 in Sweden, has a diverse academic background including degrees in philosophy, physics, and computational neuroscience, and has focused on existential risks and the future of humanity [1][2]. Concept of Negative Entropy - Bostrom's engagement with "Extropianism" suggests that technology could eventually allow for infinite human life, leading to significant political and economic changes [2]. Shift in Focus - Unlike his previous work on the dangers of superintelligent AI, "Deep Utopia" revives discussions on ideal societies, drawing from historical philosophical traditions [3][4]. Technological Progress and Society - Bostrom acknowledges that technological advancements do not guarantee a better society, citing historical examples where progress led to increased oppression [3][4]. Imagining a Solved World - The book hypothesizes a world where technological issues are resolved, exploring the implications and desirability of such a scenario [4][5]. Structure of the Book - The narrative is structured around a series of lectures by Bostrom, interspersed with discussions from his audience and fictional correspondence, creating a philosophical dialogue [5][13]. Key Themes Discussed 1. The source of progress in a society with surplus wealth [5]. 2. The balance between leisure and productivity in a future society [5]. 3. The significance of meaningful living [5]. 4. Addressing boredom in a leisure-rich society [5]. Paradox of Equality and Progress - Bostrom identifies a paradox where a society that achieves equality may lose the motivation for progress, leading to a potential decline in innovation [6][7]. New Forms of Consumption - He proposes three potential new consumption forms to stimulate progress: 1. New products unaffected by diminishing returns [8]. 2. Public projects that absorb social capital [8]. 3. Status competition in an equal society [8]. Addressing Deep Redundancy - Bostrom outlines five mechanisms to counteract the loss of purpose in a post-work society, including pleasure, quality of experience, self-justifying activities, artificial purposes, and cultural engagement [9][10][11]. The Challenge of Boredom - The book emphasizes the need to create engaging experiences to combat boredom, which is seen as a significant challenge in a post-scarcity society [11][12]. Philosophical Implications - The discussions in the book reflect on the nature of happiness and fulfillment, suggesting that true enjoyment comes from deeper engagement with experiences [12][14]. Conclusion - Bostrom's work serves as a reflection on the potential paths humanity may take in the face of technological advancement, emphasizing the importance of choice and the ongoing nature of these discussions [14][15].
腾讯研究院AI速递 20250514
腾讯研究院· 2025-05-13 15:57
Group 1: OpenAI Developments - OpenAI has launched a new PDF export feature for Deep Research, which supports tables, images, and clickable reference links, receiving positive feedback from users [1] - This update marks the first action under the new head of the application division, Fidji Simo, indicating OpenAI's acceleration towards enterprise market transformation [1] - The competition among AI research assistants is intensifying, shifting from feature comparison to optimizing user experience and workflow integration, with PDF export becoming a basic requirement for enterprise-level AI tools [1] Group 2: Lovart Design Agent - Lovart is the first design-specific agent that can generate design specifications, images, and execute plans based on professional design knowledge [2] - The product supports a full design workflow, integrating various tools to convert static images into dynamic videos [2] - This signifies a major transformation in design workflows, moving from mere creation to complete product asset delivery, with vertical agents likely becoming a trend in the industry [2] Group 3: Kunlun Wanwei's Matrix-Game - Kunlun Wanwei has open-sourced Matrix-Game, an interactive world model capable of generating coherent game interaction videos based on user input, surpassing existing open-source models in visual quality and physical consistency [3] - The model employs a two-phase training process and a unique architecture for high-precision action response and scene generalization [3] - This represents a significant breakthrough in spatial intelligence, applicable not only in game development but also in film, advertising, and XR content production [3] Group 4: Tencent's Unified Reward Model - Tencent has launched the UnifiedReward-Think, a unified multi-modal reward model with long-chain reasoning capabilities, enhancing evaluation ability through a three-phase training process [4][5] - This model addresses the limitations of existing reward models, demonstrating explicit and implicit reasoning capabilities, significantly improving performance in image generation and understanding tasks while maintaining high interpretability [5] - UnifiedReward-Think has been fully open-sourced, marking a shift from simple scoring systems to intelligent evaluation systems with cognitive understanding [5] Group 5: Manus AI's Free Access - Manus AI has removed the invitation system, allowing free access for all users, with each user receiving daily free task credits and a one-time bonus [6] - The platform offers three paid subscription tiers, unlocking additional features and priority services, while free credits are valid for one day only [6] - Manus AI recently completed a $75 million funding round, raising its valuation to $500 million, with plans to expand into overseas markets [6] Group 6: US AI Regulation Changes - The US Department of Commerce has repealed the Biden-era AI diffusion rules, citing concerns over innovation and diplomatic relations, while proposing new simplified regulations [7] - The new rules will strengthen controls on overseas AI chip exports, particularly targeting Huawei's Ascend chips, and may push tech giants towards Chinese AI technologies [7] - Saudi Arabia has pledged to invest $600 billion in various sectors, including AI data centers, leading to a surge in tech stocks like NVIDIA [7] Group 7: OpenAI's HealthBench - OpenAI has introduced the HealthBench, a medical evaluation benchmark developed with the participation of 262 doctors, containing 5,000 real dialogues for comprehensive AI model assessment [8] - The latest model, o3, scored 60%, significantly outperforming earlier GPT models, with notable performance improvements in smaller models and reduced costs [8] - The project has been open-sourced, providing a complete evaluation tool that aligns model scoring with physician judgments [8] Group 8: NVIDIA's AI Factory Vision - NVIDIA's CEO Jensen Huang believes AI factories will lead the next industrial revolution, with plans to invest $50-60 billion in building large-scale AI factories over the next decade [9] - AI is seen as a true digital labor force expansion, impacting nearly all industries and becoming a new generation of infrastructure following information and energy [9] - NVIDIA is transitioning from a chip company to an AI infrastructure company, investing $20-30 billion annually in R&D to establish global AI ecosystem standards [9] Group 9: Future of AI Agents - OpenAI aims to develop ChatGPT into a personalized AI service, with predictions of widespread AI agent applications by 2025 and capabilities for knowledge discovery by 2026 [10] - The team focuses on maintaining an efficient structure and rapid iteration, positioning itself as a core AI subscription service provider [10] - Different age groups perceive AI applications differently, with younger generations viewing AI as an operating system [10]
人类技能的奇幻未来
腾讯研究院· 2025-05-13 08:06
Group 1 - The article discusses the future of skill development, emphasizing the integration of technology and artificial intelligence to enhance human skills [2][3] - It presents a vision for 2037 where a platform called SkillNet, driven by AR and AI, enables rapid skill acquisition [2][4] - The impact of quantum computing on accelerating scientific discovery and machine learning is highlighted, indicating a growing demand for skills [2][4] Group 2 - The challenges of skill development include skill inequality, where technological advancements may exacerbate disparities, particularly in low-wage and repetitive jobs [2][3] - The phenomenon of de-skilling and job simplification is discussed, where industrial engineers redesign work to reduce technical contact, leading to skill degradation among workers [2][3] - The social and economic implications of skill inequality are emphasized, calling for measures to prevent such outcomes [2][3] Group 3 - Proposed solutions include digital apprenticeship programs that leverage digital technology and AI to create new skill development infrastructures [2][3] - The potential of hybrid systems, combining human and AI capabilities, to enhance productivity and skills in complex tasks is introduced [2][3] - The need for open and global learning platforms to facilitate knowledge sharing and collaboration is advocated [2][3] Group 4 - The article illustrates a futuristic scenario where a skilled worker named Sara uses SkillNet to learn a new skill in ultrasonic welding, showcasing the platform's capabilities [4][5] - Sara's experience highlights the importance of real-time mentorship and feedback from experts, facilitated by the SkillNet platform [6][7] - The narrative emphasizes the collaborative learning environment created by SkillNet, benefiting both experts and novices [8][9] Group 5 - The article argues that the future of skill development will be hybrid, involving a network of human experts, novices, and AI focused on building capabilities in work settings [25][26] - It discusses the concept of "chimera," where human and AI collaboration enhances learning and productivity beyond what either could achieve alone [27][28] - The need for a digital apprenticeship system to preserve human capabilities in the age of intelligent machines is stressed [28][29]
腾讯研究院AI速递 20250513
腾讯研究院· 2025-05-12 14:46
生成式AI 一、 Transformer八子之一 初创 Sakana AI 提出 「连续思维机器」 1. CTM将神经元活动同步作为核心机制,通过时序信息实现更复杂的神经行为,推理过程更 像人类思维; 2. 神经元可访问自身历史并学习利用这些信息计算下一输出,所有行为均为自然涌现,未被 预先设计; 3. CTM在迷宫求解和图像识别等任务中展现出类人思维过程,思考时间越长准确率越高,且 可根据任务难度调整思考时长。 https://mp.weixin.qq.com/s/hxL8ylal_4gY8IUIL7TWWA 二、 苹果发布 FastVLM, iPhone 直接运行的极速视觉语言模型 1.苹果发布移动端视觉语言模型FastVLM,采用双阶段处理(图像转token、token生成语 言),可直接部署在iPhone等设备上运行; 2.FastVLM在效率方面表现突出,0.5B版本较LLaVA首token输出快85倍,体积减少3.4倍; 7B版本配合Qwen2较Cambrian模型快7.9倍; 3.FastVLM具有高效处理高分辨率图像的能力,结合轻量级设计,显示出在智能眼镜等移动 设备上的应用潜力。 https ...
通用人工智能何时到来?
腾讯研究院· 2025-05-12 08:11
闫德利 腾讯研究院资深专家 一、AI已在诸多任务领域超越人类 AI发展日新月异,在许多任务上已经陆续超越人类基线水平。如2015年图像分类,2018年中等水平阅读 理解,2020年视觉推理、英语语言理解,2023年多任务语言理解、竞赛级数学,2024年博士级科学问 题。下图所示的8项关键任务技能中,AI仅在多模态理解和推理能力上还略逊人类一筹,但从2023年开 始就加速提升。我们有望很快见证AI 能力在现有主流基准上"全部超越人类水平"的奇点时刻。 图 选定的 AI 指数技术性能基准与人类表现对比 二、AGI的终极目标或于年内实现 我们已经构建了无数在特定任务上超越人类水平的AI系统,但它们缺乏通用性,无法应对超出预定任务 之外的问题,尚处于"狭义人工智能 (Narrow AI) "阶段。随着AI性能的大幅提升,具备跨领域能力、在 多个方面媲美甚至超越人类的、更强大的AI被提上日程。 人们常将之命名为"通用人工智能(AGI)" 。 各国高度重视AGI。2023年4月28日中共中央政治局会议提出:"要重视通用人工智能发展";英国《国家 人工智能战略》 (2021 ) 对AGI进行了专门强调,指出"必须认真对待A ...
腾讯研究院AI速递 20250512
腾讯研究院· 2025-05-11 14:17
生成式AI 一、 OpenAI强化微调终于上线,几十个样本可轻松打造AI专家 1. OpenAI正式发布RFT(强化微调)功能,通过思维链推理和专属评分机制,可用极少样本快 速提升模型在特定领域的专业表现; 2. RFT主要应用于三大场景:指令转代码、文本精华提取、复杂规则应用,已有ChipStack 等多家公司取得显著成效; 3. 实施RFT前必须创建评估体系,需要明确任务定义和强化评分方案,避免模棱两可的任务 目标。 https://mp.weixin.qq.com/s/c7RfeoWNwh3NZDeuTCXXLw 二、 Gemini 2.5实现视频理解重大突破:一口气处理6小时视频 1. Gemini 2.5 Pro突破视频处理长度限制,通过低媒体分辨率技术可处理长达6小时视频, 在多个学术基准测试中创下新纪录; 2. 实现视频内容与代码无缝结合,能将视频直接转化为交互式网页应用、p5.js动画等创新应 用形式; 3. 具备精准的视频片段检索和时序推理能力,可实现复杂场景计数、时间戳定位等高级分析 功能。 https://mp.weixin.qq.com/s/FkaOacVuVCS7wzny5l1jFQ ...
腾讯研究院AI每周关键词Top50
腾讯研究院· 2025-05-09 13:53
| 类别 | Top关键词 | 主体 | | --- | --- | --- | | 算力 | OpenAI for Countries | OpenAI | | 算力 | 网络提速技术 | DeepSeek、 | | | | 腾讯 | | 模型 | Gemini 2.5 Pro(I/O版) | 谷歌 | | 模型 | Medium 3 | Mistral AI | | 模型 | Nemotron开源模型 | 英伟达 | | 模型 | V2数学推理模型 | DeepSeek | | 应用 | Claude整合功能 | Anthropic | | 应用 | NotebookLM中文支持 | Google | | 应用 | 独立AI应用 | Meta | | 应用 | 合作氛围编程 | 苹果、 | | | | Anthropic | | 应用 | Omni-Reference | Midjourney | | 应用 | 参考图功能 | Runway | | 应用 | PDF渲染器 | Grok | | 应用 | V4.5正式上线 | Suno | | 应用 | Parakeet 语音识别 | 英伟达 | | 应用 ...
虞晶怡教授:大模型的潜力在空间智能,但我们对此还远没有共识|Al&Society百人百问
腾讯研究院· 2025-05-09 08:20
Core Viewpoint - The article discusses the transformative impact of generative AI on technology, business, and society, emphasizing the shift from an information society to an intelligent society, and the need to explore new opportunities and challenges brought by AI [1]. Group 1: Insights from Experts - The article features insights from Yu Jingyi, a prominent professor in computer science, who highlights the current bottlenecks in large model technology and the potential of generative AI in spatial intelligence [5][6]. - Yu emphasizes that the understanding of spatial intelligence is evolving, moving from simple digital reconstructions to more complex intelligent interpretations of space, aided by advancements in generative AI [12][13]. Group 2: Technological Breakthroughs - The development of generative AI technologies, such as DALL-E 3 and GPT-4o, showcases the potential for significant advancements in image and video generation, indicating that the capabilities of language models in visual generation are far from being fully realized [10][11]. - The introduction of the CAST project, which incorporates actor-network theory and physical rules, aims to enhance the understanding of spatial relationships among objects, marking a significant step in the evolution of spatial intelligence [16][18]. Group 3: Challenges and Opportunities - A major challenge in the field is the lack of sufficient 3D scene data, particularly real-world data, which hampers the development of robust AI models for spatial understanding [18][19]. - The article discusses the potential of cross-modal methods to address data scarcity in 3D environments, leveraging advancements in text-to-image technologies to infer spatial relationships [19][20]. Group 4: Future Applications - The short-term applications of spatial intelligence are expected to be in the fields of art creation, gaming, and film production, where generative AI can significantly enhance efficiency and creativity [42][43]. - In the medium to long term, spatial intelligence is anticipated to become a core component of embodied intelligence, potentially transforming industries such as smart devices and robotics [43][44]. Group 5: Ethical Considerations - The rise of AI companionship raises ethical questions regarding emotional dependency and the implications of human-robot interactions, necessitating ongoing discussions about ethical frameworks in technology development [50][51].