从IT模型驱动，到业务模型驱动，金融Agent如何落地？丨ToB产业观察

Core Insights - The financial industry is leveraging AI large models to significantly reduce development costs, with current reductions estimated at 25-30%, and future goals aiming for up to 40% [2][11] - AI large models are being applied across various business functions in financial institutions, including customer service, credit assessment, risk management, and investment research [2][3][4] AI Applications in Financial Sector - Over 80% of customer service functions in a financial institution are now handled by intelligent customer service systems [4] - Jiangsu Bank has achieved over 97% accuracy in credit material recognition and a 20% efficiency improvement in the entire credit review process through localized deployment of the DeepSeek large model [5] - AI models are also being utilized for automatic generation of credit reports and customer qualification pre-assessment, leading to full automation in some banks [5] Investment in AI Technology - The penetration rate of large models in the financial sector has surpassed 50%, the highest among all industries [3] - In 2024, the six major state-owned banks are projected to invest a total of 125.46 billion yuan in financial technology, reflecting a year-on-year increase of 2.15% [3] Transition from IT to Business Model - The shift from IT-driven to business model-driven digital transformation is crucial, requiring more involvement from business personnel in the development process [6][7] - Financial institutions face challenges in ensuring the completeness and accuracy of business models during this transition, as well as the quality of training for industry-specific models [6][7] Strategies for Small and Medium Financial Institutions - Smaller financial institutions are encouraged to adopt a targeted approach by focusing on core scenarios that can effectively reduce costs and improve efficiency [9][10] - The digitalization of knowledge within these institutions is essential to prevent the loss of expertise when experienced employees leave [10] Future Directions - The core focus of AI applications in various industries, including finance, will continue to be on cost reduction and efficiency enhancement [11]