中国银行原行长李礼辉谈中国AI竞争：中短期内有望接近并超越核心技术

Group 1: Core Insights - The core theme of the 22nd China International Financial Forum is the construction of an intelligent financial ecosystem in the digital economy era [1][19] - AI is recognized as a core technology that determines future national strength, with competition primarily between China and the US focusing on computing power [1][13] - By the end of 2024, China's computing power is projected to account for approximately 26% of the global total, while the US is expected to hold about 37% [1][14] Group 2: Financial Models - AI technology is evolving from unimodal to multimodal, enabling the generation of new unstructured content and creating direct commercial value in the financial sector [2][20] - The reliability and economic efficiency of financial models are crucial, emphasizing the need for high reliability and interpretability in AI applications within finance [4][22] - The economic aspect involves using vast data to pre-train industry-level financial models, which can lower development costs and expand application ranges [5][23] Group 3: Financial Agents - The evolution of AI from assistants to agents allows for the development of financial agents capable of performing complex tasks, potentially replacing human roles in various financial sectors [6][26] - Financial agents are being deployed in banks and other financial institutions, with the potential to replace over 60% of investment advisor positions [7][26] - The transformation of human resource management in finance is necessary to adapt to the integration of AI, requiring changes in traditional views and educational structures [8][27] Group 4: Data Sharing - Data quality and quantity are critical for the effectiveness of intelligent finance, with current data sharing facing significant challenges [10][28] - The government is working on regulations to improve public data sharing and facilitate the use of non-public data through market mechanisms [11][29] - Establishing a specialized database for financial data is essential to address issues of data dispersion and quality [12][30] Group 5: AI Competition - The competition in AI is characterized by a focus on both hard and soft computing power, with China investing 1 trillion yuan in AI infrastructure [14][31] - The US is prioritizing hard computing power through initiatives like the "Star Gate" plan, which involves a $500 billion investment over four years [14][31] - The political landscape affects technological advancements, with geopolitical tensions impacting the sharing of advanced technologies [15][32] Group 6: Innovation and Intellectual Property - The shift towards open-source models in AI can democratize access to technology and encourage innovation, although risks associated with foreign software must be considered [17][34] - Protecting intellectual property is essential to foster innovation while supporting local core technology development [17][34] - The emergence of advanced open-source models, such as Alibaba's Qwen3-Omni, highlights the potential for domestic AI advancements [17][34]