引言：在 AI 与产业深度融合的浪潮中，合规创新成为发展的关键。浩海生命 "善食" 大模型成功备案广 东省生成式人工智能服务，既彰显其技术创新与数据安全实力，也承诺以安全透明服务，为健康管理智 能化注入新动能。 在服务公开透明性上，依据公告要求，"善食" 大模型将在服务界面显著位置或产品详情页清晰展示服 务上线编号，方便用户识别与监督，进一步增强用户信任，让服务接受公众审视。 在保障用户权益层面，合规备案是浩海生命对客户的郑重承诺。公司将严格遵循法律法规，全方位保障 用户合法权益，为用户提供安全、可靠、负责任的人工智能服务。 三、聚焦创新发展，智领行业未来方向 因数据隐私保护要求高、模型应用场景严谨，全国生成式AI备案通过率较低。"善食"大模型在技术安全 性、数据合规性、伦理风险评估等多维度严苛审核标准下突围，与中原地产、广电运通、科大讯飞等头 部企业或上市公司模型同批通过备案，且为新增 13 款备案服务里医疗健康管理领域唯一案例。截至 2025 年 3 月 31 日，全国仅有 346 款生成式人工智能服务通过国家网信办备案。"善食"大模型以其在智 能化健康管理领域的突破性应用，树立了"技术创新+伦理合规"的 ...

Core Insights - 2025 is a pivotal year for China's banking industry, marked by challenges such as narrowing net interest margins, asset quality pressure, and stricter regulations, alongside opportunities presented by emerging technologies like generative AI [1][2] - The banking sector is expected to embrace AI more actively, exploring its potential across various fields while addressing challenges related to data security, model governance, and talent skill upgrades [1] Group 1: Challenges and Opportunities - The global political and economic landscape is experiencing significant fluctuations, impacting the transition of new and old economic drivers in China [1] - The banking industry faces multiple challenges, including net interest margin compression, asset quality pressures, and increasing regulatory scrutiny [1] - Emerging technologies are reshaping the banking sector, moving from standardized services to "hyper-personalized" intelligent interactions [1] Group 2: Risk Management and Compliance - A robust risk management framework is essential for banks to navigate the complex macro environment and technological advancements, integrating risk management into strategic decision-making and corporate culture [2] - The shift from passive compliance to proactive governance is being supported by digital capabilities, enabling banks to identify risks and potential violations more efficiently [2] - Future risk management aims for a dynamic balance between effective risk prevention and business development, requiring foresight, agility, and strong technological support [2]

Core Insights - The article discusses the emergence of Agentic RAG (Retrieval-Augmented Generation) as a key method for large language models to access external knowledge, highlighting the limitations of current reinforcement learning (RL) training methods in achieving stable performance [1][8]. Group 1: Development of RAG Systems - The evolution of RAG systems is categorized into three stages: Classic RAG, Pre-RL-Zero Active RAG, and RL-Zero stage, with each stage introducing new methodologies to enhance retrieval and generation capabilities [7][8]. - The RL-based methods, while promising, face challenges such as misalignment of optimization goals with actual downstream tasks and the coupling of retrieval and generation processes, which complicates performance evaluation [9][12]. Group 2: Limitations of Current RL Methods - Current RL methods like Search-R1 and DeepRetrieval focus on Exact Match (EM) as a reward metric, which can lead to suboptimal training outcomes due to its strictness and insensitivity to semantic variations [9][10]. - The coupling of retrieval and generation in training can obscure the true performance improvements, making it difficult to discern whether gains are due to better search or enhanced language generation [11][12]. - Existing evaluation metrics fail to accurately measure the contribution of search quality to overall performance, leading to bottlenecks in assessment, training, and generalization [14]. Group 3: Introduction of s3 Framework - The s3 framework, proposed by UIUC and Amazon, aims to improve training efficiency and effectiveness by decoupling the search and generation processes, focusing solely on optimizing the searcher with a new reward function called Gain Beyond RAG (GBR) [1][17]. - s3 demonstrates significant efficiency, requiring only 2.4k training samples and achieving superior performance compared to larger baseline models, with a total training time of just 114 minutes [21][22][25]. Group 4: Experimental Results - In general QA tasks, s3 outperformed both Search-R1 and DeepRetrieval across multiple datasets, showcasing its strong generalization capabilities [23][25]. - In medical QA tasks, s3 exhibited remarkable cross-domain performance, indicating its robustness and adaptability to different datasets and contexts [26][27]. Group 5: Design and Optimization Insights - The design of s3 emphasizes the importance of starting retrieval from the original query, which helps maintain focus and improves search outcomes [31]. - The document selection mechanism within s3 significantly reduces token consumption, enhancing efficiency and minimizing noise in the generation process [31][30].

Group 1 - The management system and recognition standards for technology enterprise incubators in China are undergoing changes, with the Ministry of Industry and Information Technology categorizing incubators into standard and excellent levels [1] - The new management approach emphasizes service capabilities and incubation performance for standard-level incubators, while excellent-level incubators focus on industry attributes, service functions, high-end talent, investment attraction, and accelerated transformation [1] - Local governments, such as Sichuan Province, are planning to revise their incubator policies to align with the national standards, promoting a classification and grading reform for incubators [1] Group 2 - Various regions are preparing to adjust their incubator policies in line with the national framework, implementing a tiered cultivation approach [2] - The tiered cultivation aims to guide incubators to focus on emerging and future industries, fostering more hard technology enterprises [2] - The emphasis on tiered cultivation is expected to enhance the adaptability of incubators to different industry development stages [3] Group 3 - The service aspect of incubators is gaining increased attention, with standard-level incubators required to have at least 30% of their total income from incubation service revenue, excluding rent and property income [3] - Excellent-level incubators must have service and investment income accounting for no less than 50% of total income over the past two years [3] - The total number of incubators in China is approximately 16,000, with a significant presence in over 50 countries and regions, contributing to the development of influential high-tech and specialized enterprises [3]

Group 1 - Geoffrey Hinton, awarded the 2024 Nobel Prize in Physics, has been critical of AI, describing current large models as fundamentally flawed [1][9] - Hinton's student, Wang Xin, chose to leave academia for industry, believing in the potential for AI commercialization [2][8] - Wang Xin expresses skepticism about the current AI models, stating they are statistical models that cannot generate true wisdom or new knowledge [10][11] Group 2 - The AI industry is experiencing a disconnect between technological optimism and commercial reality, leading to inflated valuations [21][26] - Historical examples show that technological bubbles often burst, with only companies that provide real commercial value surviving [28][29] - Current AI companies need to focus on sustainable business demands rather than chasing disruptive narratives [34][40] Group 3 - The emergence of AI agents represents a significant shift in human-computer interaction, but they currently lack true decision-making capabilities [31][32] - The success of AI applications will depend on their ability to evolve from tools to platforms that address real user needs [33][35] - DeepSeek is seen as a potential game-changer in making AI accessible to the general public, similar to the impact of Windows on PCs [36][39] Group 4 - The Silicon Valley model is perceived as becoming increasingly elitist, potentially stifling innovation [42][45] - China's AI market may benefit from a focus on grassroots innovation and addressing overlooked "fringe" scenarios [43][47] - The historical context suggests that disruptive innovations often arise from areas that mainstream companies overlook, indicating potential for growth in smaller firms [50][52]

Core Insights - The first batch of cybersecurity insurance pilot programs in China has been successfully completed, with over 1,500 policies issued for enterprises, totaling more than 150 million yuan in premiums and nearly 11.5 billion yuan in coverage. For residents, over 2 million anti-fraud insurance policies were issued, with premiums exceeding 2.4 million yuan and coverage surpassing 100 billion yuan [1][4] Group 1: Market Overview - The global cybersecurity insurance market is projected to reach $15.3 billion by 2024, which is less than 1% of the total global property and casualty insurance premiums for that year. However, it is expected to more than double by 2030, with an average annual growth rate exceeding 10% [1] - Cybersecurity incidents are increasingly frequent due to interconnected global supply chains, geopolitical conflicts, and complex cyberattack methods, leading to a shift from traditional risk transfer tools to comprehensive risk management solutions [2] Group 2: Claims and Challenges - Claims for cybersecurity insurance are more complex compared to traditional property and liability insurance, as cyberattacks can lead to business interruption losses, legal disputes, data recovery, and privacy infringement liabilities, resulting in potentially exponential increases in payout amounts [3] - The rapid development of generative AI has heightened the risks associated with cyberattacks, with ransomware attacks forming a complete black market chain that includes subscription-based malware and AI-driven automated attack packages [3] Group 3: Regulatory Support and Product Development - The Chinese government has increased support for cybersecurity insurance, with initiatives launched in July 2023 to promote the healthy development of the market. By the end of 2024, 53 insurance companies had registered 341 cybersecurity insurance products, with 56 new products introduced in 2024 [4] - Innovative products have emerged, such as coverage for software supply chain liabilities and system defects, indicating a growing diversity in the types of cybersecurity insurance available [4] Group 4: Market Challenges - The cybersecurity insurance market in China is still in its early stages, facing challenges such as a lack of awareness among enterprises regarding the benefits of cybersecurity insurance, which affects their willingness to purchase and renew policies [5] - The industry also faces challenges on the supply side, including data scarcity, difficulties in risk quantification, limited product offerings, unclear policy terms, and the need for better collaboration within the industry [5]

在安徽省合肥高新区的一栋现代化办公楼里，智象未来（合肥）信息技术有限公司的研发人员正全神贯 注地调试着电脑屏幕上的参数，开展日常模型训练。 梅涛表示，智象未来将继续深耕多模态人工智能领域，在合肥市政府的支持下，努力成为国产生成式大 模型领先企业。 智象未来是一家多模态生成式人工智能初创企业，其总部于2024年9月落户合肥高新区。"合肥着力培育 壮大新质生产力，打造创新发展高地，为我们快速成长提供了坚实的后盾。"智象未来创始人兼首席执 行官梅涛表示。 《 人民日报 》（ 2025年06月16日 10 版） 技术的不断突破，是智象未来成长的印证。其中，具有代表性的是今年4月横空出世的智象未来开源图 像生成大模型。开源24小时内，该大模型在国际图像生成大模型竞技场榜单上迅速登顶，成为首个登顶 该榜单的中国自研生成式人工智能模型。 (责编：牛镛、岳弘彬) 这项备受瞩目的技术可以做什么？简单来说，就是让文字直接生成图片和视频。比如，用户只需输入一 段文字描述，如"未来城市中，机械臂在星空下焊接漂浮的桥梁"，智象大模型即可生成图像，精准还原 细节。"它在图像质量、语义理解、艺术表现三大维度刷新了行业纪录。"智象未来联合创 ...

内容来源："AI未来2025阅读新风向"发布会。 生成式人工智能出现以后，这一现象将会逐步得到改观。 分享嘉宾：李宁，清华大学领导力与组织管理系Flextronics讲席教授、系主任。 责编| 柒 排版| 鹅妹子 第 9013 篇深度好文：3939 字 | 10 分钟阅读 商业思维 笔记君说： 数据驱动的管理决策，并非一个全新的概念，尤其在中国，许多企业在数据驱动决策方面已经走在世界前列。 比如精准营销、库存管理等业务端的数字化转型。在这方面，我们已经积累了海量数据，并利用数据来持续优化决策。 但在组织端，在人的决策方面，依靠数据驱动管理却相对滞后。组织在管人时，更多还是依赖领导的直觉、感觉和经验来做判断。 一、人的价值度如何衡量？ 在过去，数据驱动的组织管理决策，往往是大厂的专利，巨头企业的软性护城河。 但人工智能的出现，某种程度上改变了这一逻辑。 为什么组织管理端的数据驱动决策很有限？来看几个例子： 我在高管课程中经常问决策者一个问题：你们支持员工远程或混合办公吗？ 绝大多数人的回答是"否"，他们仍然倾向于让员工到岗，即到办公室来工作。 这背后反映了一个核心问题——当员工不在眼前时，管理者就很难衡量其贡献 ...

Core Insights - A new computational tool named TWAVE has been developed by a team from Northwestern University, utilizing generative AI to extract key information from limited gene expression data and identify multi-gene combinations behind complex diseases [1][2] - The TWAVE model simulates gene expression under healthy and diseased states, linking changes in gene activity to phenotypic variations, and accurately pinpointing key gene changes that may trigger cellular state transitions [1][2] Group 1: Technology and Methodology - TWAVE focuses on gene expression levels rather than gene sequences, addressing the limitations of traditional genome-wide association studies (GWAS) that primarily identify single genes associated with specific traits [2] - The model was trained using clinical trial data to recognize expression profiles representing healthy or diseased states, enhancing its ability to identify disease-associated gene networks [2] - TWAVE circumvents privacy issues related to gene sequences and inherently incorporates environmental factors, allowing for a more comprehensive understanding of gene-environment interactions [2] Group 2: Applications and Implications - Testing of TWAVE on various complex diseases demonstrated its capability to identify known pathogenic genes and discover new genes overlooked by existing methods [2] - The findings indicate that the same disease may arise from different gene combinations in different populations, providing a theoretical basis for personalized treatment based on individual genetic drivers [2][3] - The advancements in AI within the life sciences are facilitating a deeper understanding of disease mechanisms and supporting early diagnosis and personalized treatment, accelerating the arrival of the precision medicine era [3]

摩根士丹利分析师周四在一份报告中表示，他们认为股市正在形成"新的'牛市论'"。 这一观点源于"过去30天内对'对等关税'的几乎完全逆转以及与中国贸易紧张局势的成功缓和"所带来的 市场反弹。 该银行表示，这一复苏使风险市场完全收复了"解放日"后回调的失地，年初至今的回报率现已转为"正 值"。 此外，还有"认为通胀风险被高估；低油价是有利因素；美联储将很快开始降息"，"相信前期加载的企 业减税"将推动"资本支出和生产力繁荣"，以及"生成式人工智能仍处于早期阶段"的信念。 摩根士丹利指出，"预计标普500指数2026年盈利增长将从2025年的7-8%加速至13-14%"。 然而，他们也警告说，股票估值的复苏已将远期市盈率推高至"21.5倍以上"，而"股权风险溢价仅为6个 基点"。 据称，风险包括"全球收益率曲线"陡峭化和美国预算赤字扩大，摩根士丹利认为这可能是"美国例外论 的不利因素"。 作者：Investing 摩根士丹利指出，标普500指数目前约为6,000点，较2月19日的历史最高点仅低约2.3%，而纳斯达克指 数"已从低点反弹超过25%"。 该银行写道，市场波动性（以VIX衡量）"已大幅下降，读数现已低于其 ...