EASTMONEY(300059) 证券时报网·2025-03-06 16:06Core Viewpoint - The financial industry is systematically embracing AI, with financial large models evolving from efficiency tools to strategic engines, poised to reshape the entire lifecycle of financial services and drive future business growth [1][9]. Group 1: AI and Financial Industry Transformation - The global financial sector is undergoing a significant transformation driven by AI and big data, marking the onset of the "fourth industrial revolution" [2]. - The application of large models in finance is expanding, transitioning from cautious observation to widespread adoption, particularly with the emergence of high-quality, low-cost open-source models like DeepSeek [2][3]. - Financial institutions are increasingly focusing on how to deepen the application of large models, moving from basic scenarios to more complex decision-making contexts such as investment advisory and trading [3]. Group 2: Challenges in AI Implementation - Financial institutions face three main challenges in implementing large models: improving model accuracy, ensuring sustainable technology investment, and addressing data and privacy protection issues [1][10][11]. - The accuracy of large models is critical in finance, where precision and interpretability are paramount, especially in complex scenarios [10]. - The exponential growth in computational demands for model training and inference poses a significant financial burden on institutions, necessitating a balance between cost and value creation [11]. Group 3: Innovations by Dongfang Wealth - Dongfang Wealth has introduced the next-generation intelligent financial terminal, "Miaoxiang Investment Research Assistant," aimed at transforming the investment research process from a multi-tool operation to a single assistant model [6]. - The company is enhancing model capabilities to ensure more reliable and transparent financial AI, including the introduction of a tiered information source mechanism to improve the credibility and interpretability of responses [7]. - Dongfang Wealth is actively collaborating with various stakeholders to establish industry standards for the application of financial large models, contributing to the safe and robust development of AI in finance [8]. Group 4: Future Directions in Financial Services - The integration of AI in financial services is expected to enhance customer service by shifting from standardized responses to personalized interactions, thereby expanding the boundaries of service offerings [9]. - The proactive risk management capabilities of large models allow for a shift from reactive analysis to real-time monitoring and early warning systems, improving the overall risk control framework [9]. - The financial sector is encouraged to adopt a customer-centric approach, leveraging AI and big data to create differentiated services and enhance investor engagement [12].