Jing Ji Guan Cha Wang·2025-11-13 05:30Core Insights - Baidu has launched the world's first commercially available "self-evolving" super intelligent agent, named Baidu Famo, at the 2025 World Conference, marking a significant advancement in AI technology for financial innovation and inclusive finance [1] - The "AphaMo" intelligent risk control project, implemented by Citic Baixin Bank, is the first application of Baidu Famo in the financial sector, showcasing the integration of AI in enhancing digital financial services [1] Group 1: Project Overview - The "AphaMo" project utilizes Baidu's cutting-edge AI technologies, including Famo, Qianfan, and Wenxin large models, to create three types of risk control intelligent agents: digging, modeling, and strategy agents [1] - The project aims to address challenges in the banking industry, such as insufficient feature extraction and a shortage of specialized talent, by leveraging AI to automate and enhance risk control processes [1][3] Group 2: Performance Metrics - The "digging agent" has achieved significant progress, with a 100% increase in feature extraction efficiency and a 2.41% improvement in risk differentiation, reaching the level of professional data mining engineers [2] - The "modeling agent" has demonstrated an 83% improvement in efficiency, completing tasks in 0.5 days compared to 3 days for junior model engineers, and its models have surpassed the performance of entry-level personnel by 7% in KS value [3] Group 3: Strategic Implications - The implementation of intelligent agents in the "AphaMo" project effectively addresses the talent bottleneck in risk control, allowing for automated and efficient feature extraction and model development [3] - The project enhances risk identification capabilities, enabling the bank to serve a broader customer base while maintaining controlled risk levels, thus supporting the expansion of inclusive financial services [3] - The collaboration between Citic Baixin Bank and Baidu represents a new paradigm in the integration of AI technology with banking risk control, aiming to improve the efficiency and quality of digital inclusive finance [3]