智驾行业的成熟，必然要从"相关性依赖"迈入"因果性核心"。当下不少技术讨论仍停留在表面：某一方 法在特定场景见效、某一系统演示效果流畅，就被认定为最优方向，这种认知本质上是对技术的片面理 解。真正的技术突破，需要厘清因果逻辑：系统为何能应对复杂场景?换一场景能否持续稳定运行?唯有 掌握核心因果关系，才能跳出"名词迷信"，实现技术的可持续迭代。 在2025智驾天梯榜年度论坛上，行业核心观点迎来集中释放，文远知行创始人兼CEO韩旭也抛出重要观 点："数据已经没有那么值钱了。" 当前智驾行业正处于数据价值重构、技术路线理性回归、工程化落地深化，成为推动行业从"概念喧 嚣"走向"务实发展"的三大核心主线。而包括韩旭在内的行业人士普遍预判，自动驾驶系统能力全面超 越人类驾驶的时间窗口，将集中在2032—2033年。 数据价值的重构，成为智驾技术突破的重要支撑。韩旭在论坛上提出一个"炸场观点"： "过去大家觉得 数据是钻石，但是现在可以人工合成钻石了，有一些长尾效应的数据可能比较值钱，但是不需要那么多 了，数据已经没有那么值钱了。" 文远知行GENESIS的出现，实现了数据"以一当万"的效果，不仅能精准覆盖极端场景、长尾 ...

Core Insights - The 2025 Tsinghua Wudaokou Global Financial Forum was held in Shenzhen, gathering nearly a hundred high-level political and economic leaders and experts to explore new paths for global economic and financial development [1] Group 1: Financial Empowerment of Technology Innovation - The theme of the forum was "Financial Empowerment of Technology Innovation and Development," where discussions focused on how financial institutions can better assist technology innovation enterprises in risk avoidance and service enhancement [1][3] - Jia Yanjing, General Manager of Financial One Account Bank Division and Secretary-General of the Small and Medium Banks Alliance, shared insights based on Ping An Group's practices, highlighting that Ping An is a representative of financial institutions serving small and medium-sized technology innovation enterprises [4] Group 2: Challenges Faced by Technology Innovation Enterprises - Three common pain points for technology innovation enterprises were identified: 1. Fear of risk leading to reluctance in purchasing insurance, especially for companies with high-end equipment [4] 2. Uncertainty in research and innovation, characterized by long time spans and low success rates [4] 3. Incomplete multi-dimensional credit system construction, requiring both self-credit enhancement and support from upstream and downstream credit [4] Group 3: Strategies for Financial Institutions - A three-pronged strategy framework for financial institutions to serve technology innovation enterprises was proposed, including: 1. Intelligent real-time risk control 2. Data value reconstruction 3. Patent valuation [4] - The effective accumulation of data assets is crucial for financial institutions' risk management, with Ping An having built nine major databases, including three financial databases and five medical databases, containing 30 trillion bytes of data [4] Group 4: Supporting National Strategies - Financial institutions are encouraged to align closely with national strategies for building a financial and technological powerhouse, leveraging comprehensive finance and technological innovation to support the transition from "Made in China" to "Created in China" [5] - Ping An Group actively practices technology finance, digital finance, and inclusive finance, providing solutions to empower the digital transformation of domestic and international small and medium financial institutions [5]