2 1 Shi Ji Jing Ji Bao Dao·2025-09-04 07:53Core Insights - AI technology has transitioned from a conceptual slogan to a substantial revenue driver for various industries, with significant growth potential highlighted by companies like Ping An and Alibaba [1][2] - The Chinese government has officially included "Artificial Intelligence+" in its work report for 2024, setting strategic goals for AI development over the next decade [1] - Ping An's Chief Scientist emphasizes that AI is not an independent industry but a tool that empowers other sectors to generate incremental value [1] AI Development Stages - The evolution of AI technology is categorized into three stages: 1. "Human + Intelligent" small model era, characterized by high costs and low efficiency [2] 2. The emergence of large models with generalization capabilities, significantly reducing application costs and increasing efficiency [2] 3. Advanced models that not only provide results but also explain their outputs, enhancing controllability and expanding application scenarios [2] Internal Implementation at Ping An - Ping An has implemented a systematic approach to AI, enabling rapid upgrades across its core systems through an intelligent platform [3] - Over 23,000 small intelligent agents have been created by employees, covering various operational needs and generating value [3] - The car insurance pricing model has seen a 0.3 percentage point improvement in risk control, translating to significant financial value given the scale of operations [3] Building AI Capabilities in Finance - Ping An focuses on creating a comprehensive, proactive management mechanism for AI technology, allowing for rapid integration of new advancements [4][5] - The company aims to balance investment and returns through a strategy that emphasizes self-control, scenario-driven development, and value orientation [5] Cost Optimization and Efficiency Gains - AI initiatives have led to substantial cost savings across various functions, including marketing, service, and operations, with specific metrics indicating significant efficiency improvements [5] - For instance, AI-assisted sales have generated over 661.57 billion yuan, and operational costs have been reduced by approximately 65 billion yuan annually [5] Addressing Challenges in AI Implementation - The industry faces challenges such as data quality shortages, computational power limitations, and ethical risks [7][8] - Ping An is addressing data shortages through knowledge base development and generative technology to simulate rare data [7] - Collaborations with leading firms aim to overcome computational power constraints, while ethical governance frameworks are being established to mitigate risks associated with data bias and algorithm discrimination [8][9] Differentiation in AI Models - The company emphasizes the importance of differentiated models to avoid homogenization in decision-making across the industry [9] - By utilizing proprietary data and business logic for training, Ping An aims to maintain a competitive edge in AI capabilities [9]