中信百信银行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 Baidu Famo, during the 2025 World Conference [1] - The "AphaMo" intelligent risk control project by China CITIC Bank has integrated Baidu Famo, marking its first application in the financial sector, showcasing innovation in finance and inclusive finance in the AI era [1] Group 1 - The "AphaMo" project utilizes Baidu's advanced 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 "digging agent" has achieved significant progress, with a 100% increase in feature extraction efficiency and a 2.41% improvement in risk differentiation [2] - Baidu's founder, Li Yanhong, explained that Famo's concept is inspired by evolutionary algorithms, simulating millions of years of biological evolution to discover optimal solutions previously unknown to humans [2] Group 2 - The "modeling agent" has begun its work in model development, covering the entire modeling process from data preprocessing to model evaluation, and is being applied in various banking scenarios such as consumer finance and small microfinance [2] - The collaboration between Baidu and China CITIC Bank represents a new paradigm of deep integration of AI technology and intelligent risk control in banking, aiming to enhance the effectiveness of digital inclusive finance and promote high-quality development [3]