Zhi Tong Cai Jing·2025-11-17 09:01Core Insights - The financial industry is experiencing a significant shift towards AI applications, driven by both internal and external factors, marking a pivotal moment for AI implementation in finance [2] - The release of DeepSeek R1 in 2025 is expected to enhance general model reasoning capabilities and reduce costs, facilitating localized AI deployment in financial institutions [1][3] - AI is anticipated to transform financial business processes and organizational structures, ushering in a new era of digital intelligence in finance [1] Industry Drivers - The financial sector is characterized as data, information, and decision-intensive, making it an ideal testing ground for AI applications [2] - Since the introduction of GPT-1 by OpenAI in 2018, general model technology has progressed from "technology validation" to "industry adaptation," indicating readiness for large-scale application in vertical sectors [2] - Recent policies and top-level designs have provided external impetus for financial institutions to transition from "digital intelligence" to "artificial intelligence" [2] Technological Pathways - There are two main technological approaches for integrating AI in finance: 1. Training general models with financial data, enhancing the ability to solve complex financial problems, with DeepSeek R1 marking a key industry milestone for localized AI deployment [3] 2. Developing financial-specific models that better address industry-specific challenges and compliance requirements [3] - AI agents, particularly multi-agent collaboration, are identified as a future focus area, with current applications primarily in short-thinking financial scenarios like understanding and information extraction [3] Investment Opportunities - Suggested sectors for investment include: 1. Financial information services with recommended stocks like Tonghuashun and JiuFang Zhitou Holdings [4] 2. Third-party payment services with recommended stocks like Newland and New Guodu [4] 3. Banking IT with recommended stocks including Yuxin Technology and Jingbeifang [4] 4. Securities IT with recommended stocks such as Hengsheng Electronics and Jinzhen Shares [4] 5. Insurance IT with recommended stocks like New Wisdom Software and Zhongke Software [4]