近期，关于生成式AI投资回报的讨论已成为产业界的核心议题 。当以大模型为代表的AI走向产业腹 地，一个关键挑战也随之浮现： 如何跨越其巨大的技术潜力与真实的商业价值之间的鸿沟？ 金融业是数字化转型的先锋。在人工智能+浪潮中，金融机构如何走好大模型落地的最后一公里？ 带着这一关切，腾讯研究院与毕马威企业咨询基于对金融机构的深度调研与前沿实践分析，联合撰写了 《2025金融业大模型应用报告》。报告的核心观点是，当前AI应用的关键，并非陷入"为了AI而AI"的技 术竞赛，而是要回归技术服务商业的本质——以投入产出比 （ ROI ） 为标尺，校准应用范式，优化落地 路径。 事实上，穿透喧嚣，一场由大模型驱动的、真正以ROI为导向的生产力革命，早已在金融业的头部机构 中悄然发生： 这远非零散试点或工具集成所能企及，它要求我们像建设工业时代的电网、信息时代的光缆一样，进行 系统性的规划与投入。这不仅是一场技术革命，更是一场涵盖数据基建、组织形态、信任机制乃至社会 伦理的全维度重构。 信审效率变革：一家领先大行将过去需要数小时甚至数天完成的复杂信贷审批报告分析压缩至3分 钟，准确率提升超15%； 投研能力破壁：一家头部券商 ...

Core Insights - Zhongyou Consumer Finance Co., Ltd. was recognized as one of the "Top Ten Smart Finance Cases" for its innovative research and application in intelligent risk anti-fraud [1][2] - The company developed a three-pronged intelligent defense system against fraud, focusing on AI technology misuse [1] Group 1: Technological Innovations - The intelligent defense system includes dynamic biometric deep defense, which integrates multiple live detection technologies and video 3D dynamic analysis to intercept identity impersonation and deepfake fraud attacks [1] - The system employs an innovative graph neural network model (NEI-GraphSage) for precise identification of professional fraud rings [1] - A unified cross-modal decision framework was established to break down data silos, enabling deep integration and collaborative analysis of multi-dimensional information such as images, videos, sounds, and texts [1] Group 2: Application and Impact - The system covers the entire process of loan approval, from pre-loan access to post-loan management, achieving breakthroughs in key scenarios such as marketing fraud detection and identity verification [2] - In 2024, the system successfully intercepted over 1.09 million non-compliant applications and blocked 8,479 fraud cases, recovering marketing losses of 4.55 million yuan [2] - The company aims to deepen the application of this system and continue advancing research in intelligent anti-fraud technologies to enhance its risk control framework [2]

Core Insights - The article highlights the launch of an AI-native mobile banking solution by Kelong Software in collaboration with Henan Kunlun Technology, showcasing a revolutionary "multi-agent collaborative architecture" aimed at providing highly personalized financial services to customers [1][5][6] Group 1: Technology and Innovation - The AI-native mobile banking solution is not merely an enhancement of traditional mobile banking but is built on Kunlun Technology's robust computing power, creating a matrix of specialized financial agents [1][5] - The system utilizes multi-modal interaction and deep learning to accurately understand both explicit and implicit customer needs, akin to having "mind-reading" capabilities [2][5] - The solution allows for real-time analysis of customer profiles, market dynamics, and risk preferences, enabling the dynamic generation of personalized financial, credit, insurance, or investment recommendations [2][3] Group 2: User Experience and Service Transformation - The high-efficiency computing and rapid communication between agents result in a seamless experience from demand insight to solution presentation and transaction execution, significantly enhancing service efficiency and customer satisfaction [3][5] - The AI-native mobile banking solution is designed to integrate seamlessly with existing mobile banking systems and serves as a core engine for intelligent upgrades, providing unprecedented personalized service experiences for retail customers, wealth management clients, and small business owners [5][6] - The launch signifies a transformation in financial service paradigms, emphasizing a service ecosystem that "understands, serves, and empowers" users, thus redefining the depth and breadth of interactions between customers and banks [5][6] Group 3: Industry Implications - The introduction of this solution not only demonstrates the powerful application of domestic core technology in the fintech sector but also outlines a blueprint for future smart financial services, emphasizing the "thoughts become reality" experience [6] - This development marks a significant step in the financial industry's digital transformation, enhancing the quality and efficiency of services to the real economy, and indicates the beginning of a new chapter in fintech driven by artificial intelligence [6]

发言嘉宾 Dr. Arman Sahovic 胡则昌 数据金融产品负责人， AI产品经理 杭州中焯 赵玉成 中国区合作伙伴总监 LSEG 邓思宇（主持人） 中国区金融数字化解决方案顾问 LSEG 活动合作方 Jack Wong 亚太区资深金融数字化解决方案顾问 LSEG 亚太区Front Office解决方案总监 LSEG 王秋艳 金融行业专家 亚马逊 云科技 即刻扫码报名参会 我们的产品：财富管理解决方案 市场领先的数据、强大的数字工具和切实可行的洞察让财富顾问和投资者都能自信地做出决策。利用我们创新的财富管 理解决方案套件，打造有价值的、个性化的体验。 财富管理工作流程解决方案 来探索有洞见的数字化工具和功能，帮助财富管理顾问实时获取资讯，更高效提升工作能力。 财富数据解决方案 灵活、直观的解决方案，提供市场领先的数据、高级分析和以客户为中心的体验。 欢迎点击 " 阅读原文 "，了解 LSEG 财富管理 更多资讯！ （*报名需审核，报名结果以通知邮件为准） ...

Group 1 - The article emphasizes the importance of innovative wealth management solutions that provide market-leading data and actionable insights for wealth advisors and investors to make confident decisions [3][4][5] - It highlights the flexibility and intuitiveness of the wealth management workflow solutions, which enhance the efficiency and capabilities of wealth management advisors by providing real-time information [4][5] - The article invites readers to learn more about LSEG's wealth management offerings and mentions that registration for the event requires approval [6]

发言嘉宾 Dr. Arman Sahovic 亚太区Front Office解决方案总监 LSEG 王秋艳 金融行业专家 亚马逊 云科技 胡则昌 数据金融产品负责人， AI产品经理 杭州中焯 赵玉成 中国区合作伙伴总监 LSEG 邓思宇（主持人） 中国区金融数字化解决方案顾问 LSEG 活动合作方 Jack Wong 亚太区资深金融数字化解决方案顾问 LSEG 即刻扫码报名参会 我们的产品：财富管理解决方案 市场领先的数据、强大的数字工具和切实可行的洞察让财富顾问和投资者都能自信地做出决策。利用我们创新的财富管 理解决方案套件，打造有价值的、个性化的体验。 财富管理工作流程解决方案 来探索有洞见的数字化工具和功能，帮助财富管理顾问实时获取资讯，更高效提升工作能力。 财富管理工作流程解决方案 灵活、直观的解决方案，提供市场领先的数据、高级分析和以客户为中心的体验。 欢迎点击 " 阅读原文 "，了解 LSEG 财富管理 更多资讯！ （*报名需审核，报名结果以通知邮件为准） ...

发言嘉宾 Dr. Arman Sahovic 亚太区Front Office解决方案总监 LSEG Jack Wong 亚太区资深金融数字化解决方案顾问 LSEG 邓思宇（主持人） 中国区金融数字化解决方案顾问 LSEG 活动合作方 胡则昌 数据金融产品负责人， AI产品经理 杭州中焯 赵玉成 中国区合作伙伴总监 LSEG 王秋艳 金融行业专家 亚马逊 云科技 （*报名需审核，报名结果以通知邮件为准） 灵活、直观的解决方案，提供市场领先的数据、高级分析和以客户为中心的体验。 我们的产品：财富管理解决方案 欢迎点击 "阅读原文" ，了解关于 LSEG 财富管理 的更多资讯！ 来探索有洞见的数字化工具和功能，帮助财富管理顾问实时获取资讯，更高效提升工作能力。 即刻扫码报名参会 财富管理工作流程解决方案 市场领先的数据、强大的数字工具和切实可行的洞察让财富顾问和投资者都能自信地做出决策。利用我们创新的财富管 理解决方案套件，打造有价值的、个性化的体验。 财富管理工作流程解决方案 ...

Core Viewpoint - The Chinese futures industry is evolving from traditional derivatives trading to a more diversified and integrated financial services sector due to increasing global political and economic uncertainties and the deepening functions of China's financial markets [2]. Group 1: Industry Development - The futures industry must adhere to two fundamental principles: risk control and compliance, and deep service to the real economy [3]. - The implementation of the Futures and Derivatives Law has elevated the industry's regulatory development, and the upcoming Futures Company Supervision Management Measures are expected to further enhance the industry's risk management framework [3]. - The importance of futures and derivatives as risk management tools has become more pronounced amid recent global commodity price fluctuations [3]. Group 2: Service to Enterprises - For nascent industry enterprises, the focus is on promoting basis trade models to optimize procurement and sales, achieving hedging, profit locking, and production stability [4]. - For growing enterprises, integrating spot and futures markets into production, sales, inventory management, and risk management is essential [4]. - For mature enterprises, providing a comprehensive risk management system, management protocols, talent development mechanisms, and smart operational technologies is crucial [4]. Group 3: Digital Transformation and AI Integration - The application of AI large models in finance is reshaping financial services, with successful implementation relying on the combination of model capabilities, proprietary data, and application scenarios [5]. - The company has initiated digital reforms early, accumulating substantial data assets and establishing a complete data management system to support AI model applications [5]. - The company is developing a comprehensive data-driven operational model, including intelligent risk control projects and customer service enhancements through AI [6].

LSEG 2025市场展望论坛有哪些新变化？ 即刻报名，获取您的专属参会席位， 精彩的专家分享及有趣互动等您来参加！ 扫描上方或海报 末尾 二维码 即可报名 * 报名需要审核，审核结果以报名成功邮件为准。 席位有限，先到先得 LSEG所有 子业务及核心产品 将同时亮相会场 您可以与LSEG来自 全球的市场及产品专家 面对面交流 活动现场还设有互动小游戏， 多样神秘礼品 等您来领取 首次设置 大宗商品分会 ，聚焦商品市场波动及对冲策略 LSEG集团旗舰活动 连续14届精彩不断 延续年度市场展望论坛的传统 邀请来自银行、券商、保险、 资管、金融科技、企业等 各金融领域的重量级嘉宾, 一同展望2025年中国市场 活动议程 13:00 - 13:30 签到 13:30 - 13:40 开幕致辞 2025中国市场复苏:金融科技与数据发展的新机遇 David Dav TL + 13:40 - 14:00 主题演讲 LSEULALAN 2025年宏观经济形势分析与政策前瞻 刘 杨 金融市场业务部总经理 鲁政委 兴业银行首席经济学家 兴业研究学术评审委员会主席 14:00 - 14:30 圆桌论坛一 低利率环境下的大类资产配 ...