中信百信银行“AphaMo”智能风控项目携手百度伐谋 探索银行智能风控创新解决方案

Core Insights - Baidu has officially launched the world's first commercially available "self-evolving" super intelligent agent, named "Famo," during the Baidu 2025 World Conference on November 13 [1] - The "AphaMo" intelligent risk control project, introduced by Citic Baixin Bank, marks the first application of Famo in the financial sector, showcasing a successful practice of financial innovation and inclusive finance in the AI era [1] Group 1: Project Overview - The "AphaMo" project utilizes advanced AI technologies such as Famo, Qianfan, and Wenxin large models to create three types of risk control intelligent agents: "mining agent," "model agent," and "strategy agent," covering the three levels of risk control architecture [1] - The project aims to address issues such as insufficient feature extraction and a shortage of professional model and strategy talent in the banking industry [1] Group 2: Progress and Achievements - The "mining agent" has achieved unexpected progress, operating 24/7 to extract risk features from vast amounts of data, reaching the efficiency level of professional data mining engineers, with a 100% improvement in feature extraction efficiency and a 2.41% increase in risk differentiation [2] - The "model agent" has begun its work in model development, covering the entire modeling process from data preprocessing to model evaluation, and is already being applied in various banking scenarios such as consumer finance and small business finance [2] Group 3: Efficiency and Impact - The "model agent" significantly outperforms human model engineers, completing tasks in 0.5 days that would take a junior engineer 3 days, resulting in an 83% efficiency improvement [3] - The implementation of intelligent agents addresses talent resource bottlenecks, enhances risk identification capabilities, and improves overall operational efficiency, thereby supporting the expansion of business scale and deepening inclusive financial services [3] - The collaboration between Citic Baixin Bank and Baidu represents a new paradigm of integrating AI technology with intelligent risk control in banking, aiming to enhance the effectiveness of digital inclusive finance and promote high-quality development [3]