11月21日，由第一财经主办的"2025第一财经金融价值年会"在上海举行。本届年会以"突破·韧性·跃迁"为主题，汇聚国内顶尖高校学者、金融机构高管及资 本市场参与者，围绕人民币国际化"十五五"前瞻、中国经济新质趋势、居民消费率提升路径等核心议题展开深度研讨，并发布了年度金融行业竞争力权威榜 单。 会上，九方智投控股（9636.HK）旗下上海九方云智能科技有限公司（以下简称"九方智投"）凭借在AI投顾领域的卓越创新与行业影响力，荣获"最具影响力 投资咨询机构奖"。这不仅标志着业界对九方智投创新模式的高度认可，更折射出证券投顾行业在AI驱动下的历史性变革。 深耕AI投顾生态，破解行业"三差"难题 2025年被业界广泛定义为"智能体元年"，各行各业的AI智能体应用呈现井喷之势。对于AI投顾行业来说，也到了从辅助工具到智能生态的新时代。 深耕证券投顾市场近三十年的九方智投，始终将服务个人投资者作为核心使命。公司业务版图覆盖股票投资工具、证券投资顾问、投资者教育等核心领域， 其产品线历经多轮迭代——从股道领航、超级投资家等核心业务，到近年来广受市场关注的AI股票机、九爻股等智能化创新产品，公司始终走在行业创新 升级的前 ...

Core Viewpoint - The article discusses the challenges of diagnosing rare diseases and introduces DeepRare, an innovative AI-driven diagnostic system designed to improve the accuracy and efficiency of rare disease diagnosis [1][4][40]. Group 1: Rare Disease Challenges - Over 350 million people globally are affected by rare diseases, with more than 7,000 types identified, 80% of which are genetic [1]. - Patients often face significant delays in diagnosis, averaging over 5 years, with more than 7 consultations and 3 misdiagnoses, leading to a misdiagnosis rate of 40%-50% [1]. - The high heterogeneity of symptoms and fragmented information complicates the diagnostic process, making traditional AI models inadequate [2]. Group 2: DeepRare System Overview - DeepRare is the world's first reasoning-based intelligent diagnostic system for rare diseases, developed by Shanghai Jiao Tong University in collaboration with several institutions [4][6]. - The system utilizes a multi-agent architecture combined with large language models to simulate the diagnostic reasoning process of clinical doctors [6]. - It supports multi-modal inputs, including free text, structured phenotype data, and genomic data, allowing for adaptive responses to various input scenarios [8]. Group 3: Diagnostic Workflow and Performance - The diagnostic process in DeepRare consists of two main stages: gene analysis and knowledge matching, utilizing over 40 medical tools and databases for comprehensive reasoning [11][13]. - The system has shown significant performance improvements, with an average Recall@1 of 57.18%, surpassing existing methods by 23.79 percentage points [23]. - In real clinical cases, DeepRare achieved a Recall@1 of 70.6%, significantly outperforming Exomiser [33]. Group 4: Case Study and Impact - A case study highlighted the successful diagnosis of a 20-month-old child with Prader-Willi syndrome using DeepRare, which had previously gone undiagnosed [18][19]. - The system's ability to provide accurate diagnostic suggestions not only aids in clinical decision-making but also offers hope to families facing undiagnosed conditions [20]. Group 5: Future Prospects - DeepRare represents a paradigm shift in rare disease diagnosis, with potential applications in research to accelerate the interpretation of ambiguous variants and expand treatable rare diseases [40][41]. - The online platform for DeepRare has been launched, facilitating structured input and diagnostic suggestions for clinical doctors [38].

Core Insights - The financial industry is experiencing a transformation driven by AI, particularly through the implementation of AI Agents, which are expected to enhance efficiency and innovation by 2025 [1][2] - The integration of multi-agent architecture is seen as a key approach for deploying large models in complex financial scenarios, significantly improving credit operations, risk assessment, and interactive intelligence [1][2] AI Empowerment and Process Transformation - The year 2025 is recognized as the "AI Agent Year" in the global fintech sector, marking a significant shift towards full-chain intelligent revolution in finance [2] - AI is driving a transition from traditional waterfall software development to AI-enhanced agile development, creating a complete closed-loop system from demand analysis to intelligent testing [2][3] Code Quality and Efficiency - AI's integration into coding processes has led to a 20%-30% increase in efficiency, with AI-generated code resolving over 90% of issues, although human quality checks are still necessary [3] - The AI's role in development is expected to evolve from functional enhancement to more significant involvement in decision-making processes [3] Credit Ecosystem Upgrade - AI Agents are set to revolutionize traditional banking operations, customer service, and risk management, with a focus on improving efficiency in credit processes [4][5] - AI can generate customer analysis reports in just 2 hours, a process that previously took weeks or months, significantly enhancing productivity and output quality [4] Risk Assessment and Interaction Intelligence - AI models can conduct real-time monitoring and risk analysis by leveraging large data platforms and unstructured data, providing timely risk alerts [5] - The combination of AI and big data allows for personalized credit solutions, improving the precision of matching customer needs [5] Diverse Application Strategies - Different banks are adopting varied strategies in the AI Agent era, with state-owned banks focusing on integrated smart platforms, while smaller banks may collaborate with vendors to gradually enhance their capabilities [6] Overcoming Data Governance Challenges - AI models are expected to aid in the digital transformation of the financial sector, although challenges such as AI hallucinations and data privacy remain [7] - Knowledge graph technology is proposed to build compliance knowledge bases, enhancing the accuracy and completeness of AI responses [7] Future of AI Service Platforms - AI service platforms are anticipated to become strategic priorities for leading tech companies, simplifying complex operations into user-friendly interfaces [8] - The competitive edge of AI Agents lies in their deep integration with business scenarios, which can reduce trial-and-error costs and accelerate the realization of AI's value in data analysis [8]

Core Concept - The article discusses the evolution and implementation of multi-agent systems in AI, highlighting the advantages of using multiple specialized agents for complex tasks over single-agent systems [3][9][11]. Group 1: Single-Agent vs Multi-Agent Architecture - Single-agent systems are suitable for simple tasks but struggle with complexity, leading to inefficiencies and increased error rates [9][10]. - Multi-agent systems allow for specialization, where different agents focus on specific tasks, improving overall solution quality and reducing development difficulty [9][11]. Group 2: Multi-Agent System Models - Multi-agent systems can operate in parallel, where multiple agents handle different parts of a task simultaneously, enhancing efficiency [12]. - Alternatively, they can function in a serial manner, where the output of one agent becomes the input for another, suitable for processes requiring sequential approvals [20][24]. Group 3: Practical Applications - The ChatDev collaborative system exemplifies a successful multi-agent architecture, where various roles such as CEO and developers work together to create a video game [6]. - The article emphasizes that while multi-agent systems can address many software engineering challenges, simpler architectures may be more effective in certain scenarios [8]. Group 4: Future Implications - The development of multi-agent systems is expected to play a significant role in the advancement of AI technologies, particularly in complex problem-solving environments [3][6].