本报北京8月7日电 （记者赵展慧）中国银行业协会7日发布的《中国银行业客服中心与远程银行发展报 告（2024年）》显示：2024年，银行客服中心与远程银行人工电话平均接通率达94.18%，较2023年提 高1.3个百分点，人工电话客户满意度达99.46%，已连续4年高于99%，服务范围已覆盖手机APP、电 话、微信、短信、视频、邮件、微博等全渠道。 报告显示，2024年客服中心与远程银行智能技术综合使用率提升至93%，较2023年提高1个百分点；已 有31%的客服中心与远程银行开始探索应用大模型技术。数智技术成为推动银行业更好服务消费者和自 身高质量发展的重要动力。 《 人民日报 》（ 2025年08月08日 06 版） (责编：白宇、卫嘉) 关注公众号：人民网财经 ...

北京商报讯（记者 魏蔚）8月7日，北京商报记者获悉，金山办公与百度智能云、麒麟软件、沐坤科 技、麦盟科技达成战略合作，联合发布多项教育解决方案。 具体包括，在高教领域，金山办公与百度 智能云共建AI实训体系，融合大模型技术与实训平台，通过阶梯课程、虚拟仿真及企业项目对接，解 决理论与产业脱节问题；联合麒麟软件推出信创人才培养方案，整合协同生态与操作系统基座，通过实 验室建设和职业认证培养国产软件适配能力。基教方面，金山办公与沐坤科技合作智慧教学方案，构 建"工具－内容－管理－数据"闭环，推动个性化协同教学；同麦盟科技开发教学评价方案，通过课堂行 为量化分析实现数据驱动的精准评价。 ...

Core Insights - The commercialization of AI+ education and human resources products in China is accelerating, with significant advancements expected in large model technology in the second half of the year [1] AI+ Education - Dou Shen Education's AI CLASS products, including Super Reading and Super Composition, achieved a Gross Merchandise Volume (GMV) of over 17.4 million by July 30 [1] - Fenbi's AI exam preparation product, launched in April, generated sales exceeding 14 million within two months, with the number of paid students surpassing 40,000, and annual sales projected to exceed 100 million [1] AI+ Human Resources - Keri International's He Wa platform introduced nine recruitment tools powered by AI 2.0, enhancing the recruitment process [1] - The Match System has been applied in various scenarios such as customer acquisition, talent search, and internal collaboration, with expectations for integration into the He Wa platform in the second half of the year [1] - The company leverages large model advantages in semantic understanding and information matching to automate repetitive tasks, significantly reducing recruitment cycles and improving job matching accuracy and efficiency [1] Future Outlook - With OpenAI and Deepseek set to release new large model technologies within the year, and continuous product iteration driven by user data accumulation, the AI+ education and human resources sectors are anticipated to transition from thematic investment to commercial realization [1]

Core Insights - The 13th Internet Security Conference (ISC.AI2025) opened in Beijing, focusing on digital security and artificial intelligence in the era of intelligent agents [1] - Qifu Technology showcased its credit super intelligent agent and Lumo AI, a one-stop compliance assistant based on large model technology [1] Company Overview - Lumo AI is positioned as the compliance CTO for financial institutions, addressing efficiency and accuracy challenges in regulatory compliance [1] - The solution significantly reduces the time for interpreting and internalizing regulatory documents from an industry average of 40 hours to just 2 hours [1] - The accuracy of policy adaptation has increased from approximately 68% to 99.2% [1] Efficiency Improvements - Compliance gap identification and rectification suggestion generation efficiency has improved by 20 times [1] - The automation execution rate for the entire process SOP exceeds 85% [1] - The solution enhances compliance management efficiency, quality, and risk control capabilities [1] Technological Features - Lumo AI includes a dynamic database of over 2000 financial regulatory laws that are updated in real-time [1] - It integrates more than 300 risk assessment models and over 50 financial-specific algorithms, along with a robust internalization knowledge graph [1] - The system constructs an intelligent matching framework of "regulation-risk-strategy" to ensure precise gap analysis and effective rectification suggestions [1]

Core Viewpoint - The company, Out of the Question, is focused on generative AI and voice interaction, targeting content creators, enterprises, and consumers, with a goal to become a global leader in AI CoPilot solutions [1]. Group 1: Company Overview - Out of the Question Limited is an artificial intelligence company that specializes in generative AI and voice interaction [1]. - The company offers a range of services including AIGC products, AI government and enterprise services, and AIoT smart hardware [1]. - The company is set to be listed on the Hong Kong Stock Exchange in April 2024 under the stock code 02438.HK [1]. Group 2: Financial Performance - As of the 2024 annual report, the company reported total revenue of 390 million yuan and a net loss of 721 million yuan [2]. Group 3: Market Activity - On August 6, the company's stock price increased by 6.59%, reaching 0.97 yuan per share, with a trading volume of 1 million yuan [1].

Core Viewpoint - The commercialization of AI+ education and human resources products in China is accelerating, with significant advancements expected in large model technology in the second half of the year [1] Group 1: AI+ Education - Dou Shen Education's AI CLASS product, which includes Super Reading and Super Composition, has achieved a GMV of over 17.4 million by July 30 [1] - The Fenbi AI+ public examination product, launched in April, has generated sales exceeding 14 million within two months, with the number of paid students surpassing 40,000, and annual sales expected to exceed 100 million [1] Group 2: AI+ Human Resources - Keri International's He Wa platform has released nine recruitment tools as part of its AI 2.0 initiative, with the Match System being applied in various scenarios such as customer acquisition and talent search [1] - The company leverages large model advantages in semantic understanding and information matching to automate repetitive tasks, shorten recruitment cycles, and significantly enhance the accuracy and efficiency of job matching [1] Group 3: Future Outlook - With OpenAI and Deepseek set to release new large model technologies within the year, and continuous iteration of AI application products through user data accumulation, the AI+ education and human resources sectors are expected to transition from thematic investment to commercial realization [1]

Investment Rating - The report does not explicitly provide an investment rating for the industry Core Insights - The rapid development of artificial intelligence (AI) technology is transforming global industrial patterns and driving the fourth industrial revolution, but it also brings multiple security risks related to data, models, infrastructure, and applications [7][8] - The white paper aims to establish a safe, reliable, fair, and trustworthy AI system, focusing on AI security governance, risk analysis, and the development of a governance framework [8][9] - The report emphasizes the need for a comprehensive governance system that includes legal regulations, standards, and management measures to ensure the safe and controllable development of AI technology [20][22] Summary by Sections AI Overview - AI technology has evolved from symbolic rules to machine learning and deep learning, with significant growth in large language models (LLMs) driving technological progress and industrial upgrades [11][12] - Major companies in both domestic and international markets are expanding the application of large models across various industries, enhancing AI technology's development and industrial intelligence [12][13] AI Security Governance Risk Analysis and Challenges - AI security governance risks include vulnerabilities inherent to AI and external threats faced during application, categorized into infrastructure, data, model algorithm, and application security risks [29][30] - Specific risks include hardware device security, cloud security, model-as-a-service platform security, and computational network security [31][32][33][37] AI Security Governance System - The governance system consists of a four-part supervisory and management framework, focusing on infrastructure, model, data, and application security [20][22] - The report outlines the importance of addressing security at all levels to build a truly secure AI ecosystem [22] AI Security Technology Solutions - The report discusses various technical solutions and case studies across AI infrastructure, data, models, and applications to enhance security governance [8][9] AI Security Development Recommendations - Recommendations include establishing a legal framework, building a standard system, exploring cutting-edge technologies, and fostering talent through industry-academia collaboration [8][9]

Group 1 - The current AI model technology is undergoing a historic shift from "incremental innovation" to "exponential leap," particularly in the financial sector, which accounts for 18% of global AI large model applications as of June this year, surpassing the internet sector by 10 percentage points [1] - Financial vertical large models are entering an "explosion period," transitioning from quantitative changes to qualitative changes, driven by the accumulation of funds, data, and talent [1] - The digitalization and data density in the financial industry make it an ideal field for AI implementation, with significant recruitment efforts for AI talent observed among major financial institutions [2][5] Group 2 - Companies are shifting focus from evaluating basic model scores to assessing the accuracy of large models in specific business scenarios, enhancing operational efficiency without altering business structures [5][6] - The iteration speed of financial vertical large models is accelerating, with updates occurring bi-weekly or even weekly, as companies invest heavily in computing power, human resources, and other resources to tackle deep industry pain points [7] - Ant Group has developed a financial reasoning large model, Agentar-Fin-R1, which improves learning efficiency and performance for complex financial tasks through weighted training algorithms [8]

Core Viewpoint - The company, Out of the Question (02438), experienced a significant stock decline of 8.33% on August 1, trading at HKD 0.77 per share with a transaction volume of HKD 1.53 billion [1]. Group 1: Company Overview - Out of the Question Limited is an artificial intelligence company focused on generative AI and voice interaction, serving content creators, enterprises, and consumers [1]. - The company's main business includes AIGC products, AI government and enterprise services, and AIoT smart hardware [1]. - The company went public on the Hong Kong Stock Exchange in April 2024 under the stock code 02438.HK [1]. Group 2: Financial Performance - As of the 2024 annual report, the company reported total revenue of HKD 390 million and a net loss of HKD 721 million [2].

Core Insights - The rapid development of financial technology is driving banks to adopt large model technology as a core driver for transformation and innovation, with many banks actively engaging in this area by 2025 [2] Group 1: Industrial Leadership - Industrial and Commercial Bank of China (ICBC) leads in large model application, having launched the "ICBC Zhiyong" system, which has surpassed 1 billion calls by Q2 2025, enhancing over 20 core business areas and 200 application scenarios [3] - ICBC's application scenarios increased by 67% year-on-year compared to 2024, with call frequency rising by 120%, showcasing significant scaling effects [3] - The system has improved foreign exchange trading decision response speed by 80% and increased trading execution efficiency by 300%, with related business revenue up 15% year-on-year in the first half of 2025 [3] Group 2: Technological Deployment - Agricultural Bank of China has successfully deployed the DeepSeek model internally, enhancing business innovation and operational efficiency across various processes [5] - Huaxia Bank has implemented DeepSeek for various applications, improving office efficiency and customer service through intelligent Q&A and report generation tools [6] - Jiangsu Bank utilizes DeepSeek for intelligent contract quality inspection and automated valuation reconciliation, achieving over 90% success in identification [7] Group 3: Customer Service Enhancements - Customer service improvements include a 30% increase in marketing conversion rates through targeted marketing strategies based on customer data analysis [7] - Customer satisfaction has risen from 80% to over 90% due to enhanced intelligent customer service capabilities [7] - Beijing Bank has developed a proprietary "Jingzhi" large model, focusing on building an AI platform for various applications [8] Group 4: Future Directions - Shanghai Bank is constructing a "large model + micro model" collaborative system to enhance service delivery and operational efficiency across various financial services [9] - Chongqing Bank plans to leverage large models for broader applications in marketing, risk control, and internal management by 2025 [8] - The overall trend indicates that banks are not only improving their operational efficiency and service quality but also contributing valuable experiences for the digital transformation of the banking industry [10]