东北证券：银行或为下游最先崛起的AI应用场景

Core Insights - The report from Northeast Securities highlights that banks are expected to become pioneers in AI implementation in China due to ample IT budget, market-oriented systems, and high integration of internal data [1][3] - DeepSeek-R1's inference cost is only 1/30 of comparable products, marking a new phase of "AI popularization" in the industry [1] - The year 2025 is anticipated to be the starting point for AI Agents, with significant competition among major companies in this area [2] Group 1: AI Technology and Applications - DeepSeek has launched several well-known open-source models since its establishment in July 2023, with the DeepSeek-R1 model achieving performance comparable to OpenAI's o1 series at a significantly lower cost [1] - Major banks have actively integrated AI technology into various applications such as investment research, customer service, credit approval, and more, enhancing the intelligence of financial services [3] - IDC predicts that the banking sector will account for over 20% of global AI solution spending from 2024 to 2028 [3] Group 2: Specific Companies and Their AI Initiatives - Yuxin Technology has fully integrated DeepSeek models into its product system, focusing on applications in credit, data, and marketing channels [4] - Jingbeifang has launched an AI large model service platform and several intelligent assistants, achieving breakthroughs in smart fraud prevention and investment advisory across multiple industries [4] - Gaoweida has deeply integrated DeepSeek with its credit business, enhancing credit efficiency and financial report analysis through AI applications [4] - Tianyang Technology has released intelligent testing analysis systems and compliance models, providing banks with intelligent data analysis solutions [4] - Shenzhou Information has upgraded its financial knowledge Q&A and coding assistants, improving development efficiency by 20% and automating 30% of code generation [5]