AI Agent入局，税友股份如何重塑财税服务业？

Core Insights - The article discusses the launch of the "Agentic platform" named "Smart Factory" by TaxFriend Co., Ltd. (603171.SH), aimed at the financial and tax industry, highlighting the company's AIBM strategy and future plans [1][9] - TaxFriend has established a dual-driven business structure focusing on government (G-end) digital governance and enterprise (B-end) smart financial and tax services since its inception in 1999 [1][9] Business Structure - The G-end business serves as a stable revenue source, with TaxFriend being a core supplier for the national Golden Tax Project, contributing to system construction phases three and four [1][6] - The B-end business, particularly SaaS services for small and micro enterprises and tax service institutions, is the current growth engine, driven by increasing demand for efficiency and compliance management [1][6] AIBM Strategy Implementation - The AIBM strategy aims to address challenges in the highly specialized financial and tax sector, where general models struggle with knowledge gaps and logical reasoning [2][6] - TaxFriend has developed a specialized financial and tax domain model called "Xiyou" and has achieved preliminary results in building an AIBM digital ecosystem over the past six months [2] Smart Factory Platform - The "Smart Factory" platform is designed to tackle common pain points in the financial and tax service industry, such as low human efficiency, high operational costs, and inconsistent service quality [3][5] - The platform consists of a product matrix including "Cockpit + Smart Accounting + Smart Compliance Advisor," aiming to create a new human-machine collaborative work model [5] Performance Metrics - Pilot data for "Smart Accounting" showed that operational efficiency reached ten times that of traditional accounting, with an accuracy rate exceeding 90% and a 60% reduction in labor costs [5][8] - The company aims to assist 50,000 tax service institutions in improving efficiency and to establish AI financial departments for millions of small and micro enterprises [5] Market Expansion and Policy Alignment - TaxFriend is expanding its Agent services to government and public welfare sectors, aligning with current policies promoting refined financial and tax regulation and the acceleration of AI applications [6][11] - The market for financial and tax AIBM ecosystem services is projected to reach 390.73 billion yuan by 2028, indicating significant growth potential [11] Technological Foundation - The company has built a technical foundation comprising a "general model adaptation tool + financial and tax industry big data knowledge base + multi-agent reasoning model" [7] - The operational ecosystem supports tax service institutions through models like "tool empowerment + operational empowerment + joint management," with an average renewal rate increase of 15% for managed institutions [7] Business Model Transformation - The launch of "Smart Factory" signifies not only a technological update but also a transformation in the business model, shifting customer payment from "paying for tools" to "paying for results or digital labor" [8] - This shift is expected to enhance customer willingness to pay and increase average transaction value, as evidenced by the rapid growth of the product during its trial phase [8]