金融领域中AI如何走过通用鸿沟？

Group 1 - The core discussion at the "Large Model Financial Applications and Innovations" forum focused on the timing of AI applications' full implementation and how financial institutions can build a universal AI system [1] - The financial sector in China is experiencing an unprecedented wave of intelligence driven by the rapid development of AI large models, with the generative AI platform and application solutions market projected to reach approximately 914 million RMB in 2024, accounting for 14% of the overall AI market [2] - The market for generative AI in the financial sector is expected to grow to 3.509 billion RMB by 2027, representing a 384% increase from 2024 [2] Group 2 - Experts indicate that the current application of AI in the financial industry is still in its early stages, with significant challenges and opportunities coexisting, and a need for balance between development and regulation [2][3] - There is a notable disparity in AI application levels among different financial institutions, particularly affecting small and medium-sized institutions that face difficulties in implementing AI solutions [3] Group 3 - The chief scientist of China Electronics emphasized that chaos is the price of innovation while convergence is the inevitable development of engineering, highlighting the need for a structured approach to AI application [4] - In 2024, approximately 30% of projects involving next-generation AI technologies at China Electronics will focus on industry intelligence applications, with a rapid expansion expected in 2025 [4] - Despite the anticipated growth in AI applications, current investments are heavily skewed towards AI computing power, which accounts for nearly 85% of total investments, while application development only represents 7% [4] Group 4 - The integration of large models into the financial sector is viewed as a long-term endeavor that requires deep understanding and practical application of financial scenarios [4][5] - Building a universal AI system necessitates extensive exploration and consideration of engineering implementation solutions and specific application deployment [5] Group 5 - The industry is expected to undergo a continuous evolution from technical route differentiation to convergence, with companies needing to establish a comprehensive AI technology system through detailed engineering efforts [6] - The financial AI application is progressing from simple to complex, with increasing investments in AI infrastructure aimed at creating differentiated strategic advantages [7] - Financial institutions must develop a complete ecosystem for AI applications, including hardware, software, framework platforms, model algorithms, and intelligent platforms [7]