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美国私人财富管理协会|财富管理AI,上新
Sou Hu Cai Jing· 2025-09-29 06:26
9月25日,在2025云栖大会上,盈米基金与阿里云联合发布了国内首个财富管理领域的理财智能体评测 集"FinMCP-Bench",以及能够像金融专家一样协同工具调用来处理复杂问题的投顾智能体模型"Dianjin- Qieman-FA-Agentic"。 "随着大模型在财富管理领域的深化应用,财富管理公司都很关心自己的AI应用给客户提供的财富管理 服务到底可以打几分,金融行业也一直在翘首以待一个专属这个行业的垂直应用大模型。此次发布的测 评集和投顾智能体模型,正是为了解决这两个问题而面世的。"盈米基金高级副总裁、且慢业务负责人 林杰才说。 据了解,上述测评集和投顾智能体模型已在盈米基金旗下投顾服务平台——且慢App上应用,并成为其 AI大模型投顾服务且慢"AI小顾"迭代升级的核心引擎。此次发布,不仅是为行业提供了AI模型可度量 的权威标尺,更通过"基准评测集+垂类大模型"的双轮驱动,为行业的智能化升级树立了从技术到应用 的全新范式。 盈米基金人士介绍道,上述"FinMCP-Bench"评测集本质上是一套针对AI大模型在财富管理领域"工具调 用"能力的量化指标体系。作为国内首个专注于财富管理领域的评测基准,其区别 ...
解决“真问题”,京东要用AI重塑金融体验
华尔街见闻· 2025-09-26 08:51
AI时代里的 金融创新,正陷入内卷。行业普遍将 AI用于优化客服、营销等外围环节, 用户的体感却 未有根本性的改变 。 面对这一行业困境,京东科技在 9月25日的JDD大会上则给出了截然不同的答案。它推出了一整套 深入财富管理、支付和产业风控核心的智能体(Agent)矩阵。从拥有"数字分身"的京小贝,到意图 改写支付体验的JoyGlance,其目标是从根本上重塑用户交互和产业运行的逻辑。 会上,京东集团 CEO许冉为当前狂热的AI竞赛,指出了一个冷静而深刻的方向:"京东不片面追求运 动式的AI,追求的是可持续发展、真正为产业创造价值的AI。" 这一论断,与京东科技提出的 "未来十年的关键词是重塑"形成呼应。其潜台词是:不再满足于用AI 修补旧的业务框架,而是要用多智能体协同的方式,原生再造一个更懂用户、更懂产业的金融服务新 范式。 京东试图借此, 率先向市场证明 AI金融的下半场,竞争已从单一模型的技术比拼,升级为全链路生 态的体系对抗。这种体系化的能力,源自其业内罕见的"原生一体化"组织架构——一种将核心技术、 金融业务与真实产业场景深度融合的独特优势,确保了技术创新永远紧贴最核心的业务需求。 当技术能力趋 ...
京东金融京小贝全新升级:大模型重塑财富管理,打造可信赖的AI财富管家
Core Insights - JD Finance announced the upgrade of its AI wealth management product "Jing Xiaobei," evolving from a smart tool to a professional, personalized, and trustworthy "smart financial partner" [1] Group 1: User Understanding and Interaction - Jing Xiaobei addresses traditional smart advisory issues such as generalized strategies and lack of continuous learning by utilizing JD's large model and user memory system to create dynamic user profiles [2] - The system provides personalized insights and human-like interactions, offering tailored analysis and decision-making suggestions while avoiding information overload [2] - A closed-loop mechanism of "output-evaluation-optimization" allows Jing Xiaobei to continuously improve service strategies and adapt to real-time market conditions [2] Group 2: Digital Twin Functionality - The upgrade features the "Digital Twin" capability, allowing users to interact with a digital version of a well-known financial influencer, providing consistent professional responses and strategy suggestions [2] - This functionality expands service coverage and explores new paths for digital reuse of financial IP, establishing a model for intelligent services driven by professional knowledge and personality traits [2] Group 3: Technical Architecture and Strategy - Jing Xiaobei leverages JD's self-developed financial RAG 2.0 engine and multi-agent collaboration to enhance its wealth management capabilities [3] - The system integrates market data, macro policies, and user behavior characteristics to enable real-time reasoning and dynamic strategy optimization, offering personalized solutions [3] - The platform connects the entire "information-analysis-transaction" chain, allowing users to seamlessly access product analysis and purchasing options [3] Group 4: Future Outlook - JD Finance emphasizes that Jing Xiaobei is designed to enhance, not replace, human wealth management capabilities, aiming to democratize professional services through AI technology [3] - The company plans to continue expanding service capabilities and ecosystem connections, deepening the "AI + finance" strategic layout [3]
AI加速金融普惠 构建信任:京东科技公布3大智能体应用成果
Jing Ji Guan Cha Wang· 2025-09-25 10:08
Core Insights - The article highlights the advancements in AI-driven financial services by JD Technology, focusing on three main intelligent agents: AI Wealth Manager "Jing Xiaobei," shopping assistant "JoyGlance," and inclusive credit assessment for small and micro enterprises [1][2][3] Group 1: AI Wealth Management - "Jing Xiaobei" has undergone a personalization upgrade, allowing for friend-like conversations with users, moving beyond simple Q&A to a more engaging dialogue [2] - The new "user memory system" enables "Jing Xiaobei" to remember user needs and provide proactive, intelligent, and professional services in investment opportunity insights and research strategy analysis [2] - Future plans include transforming the interaction interface into a central hub for various financial services, including bill payments, expense tracking, and investment management [2] Group 2: Shopping Experience - "JoyGlance" is introduced as an industry-first shopping assistant that supports cross-protocol and multi-device interactions, enabling a "see and buy" experience [2] - The assistant enhances the interaction potential of smart wearable devices, providing an immersive shopping experience where users can purchase items simply by looking at them [2] - "JoyGlance" employs a dual security system of voice and voiceprint recognition, offering a higher security level than traditional password and fingerprint payments [2] Group 3: Financing for Small and Micro Enterprises - JD Technology has developed an inclusive credit assessment intelligent agent that analyzes vast amounts of unstructured data, improving the coverage of risk indicators for previously hard-to-rate enterprises [3] - The intelligent agent can identify and assess the value of various movable collateral, expanding the range of acceptable collateral types and providing standardized valuation services for traditionally hard-to-evaluate goods [3] - The collaboration of multiple financial risk control intelligent agents has resulted in a 15% increase in the number of small and micro enterprises served and a 5% increase in average loan amounts [3]
AI重构供应链 京东推动人工智能深度应用
Ren Min Ri Bao· 2025-09-24 23:09
Core Insights - JD.com is integrating its supply chain capabilities with artificial intelligence (AI) to drive comprehensive supply chain reconstruction, enhancing operational efficiency and decision-making processes across various industries [3][4]. Group 1: AI Applications in Logistics and Manufacturing - JD's "Wolf Pack" robots utilize advanced models for full-domain perception, enabling proactive decision-making and efficient navigation in over 500 warehouses globally [2]. - The JD Industrial division has developed an intelligent agent capable of processing vast amounts of material information, significantly improving efficiency in product governance by over 10 times compared to traditional methods [2]. - JD's logistics "Super Brain Model 2.0" enhances operational efficiency by 20% through optimal resource allocation and autonomous decision-making capabilities [7]. Group 2: AI Innovations in E-commerce - JD's retail innovation AI architecture, Oxygen, assists brands in strategizing new product launches and streamlining marketing operations, resulting in reduced costs and improved efficiency [2][5]. - The upcoming JD Xi APP will allow users to perform various tasks through natural language, enhancing the shopping experience by providing personalized recommendations based on extensive data analysis [5]. Group 3: AI-Driven Supply Chain Collaboration - AI tools have been integrated into the entire business process for over 300,000 merchants, facilitating more than 30 million operational decisions weekly [7]. - JD's industrial AI model, trained on 57.1 million SKUs, supports over 10,000 industrial enterprises, providing solutions that significantly reduce operational costs and time [8]. Group 4: Future AI Developments - JD plans to invest continuously in AI over the next three years, aiming to create a trillion-dollar AI ecosystem that prioritizes trust and efficiency [4]. - The company is focused on deepening AI applications in various sectors, including digital personas for brand representation and customer engagement [9][10].
数字人民币创新潮涌 AI走进核心金融场景
Group 1: Event Overview - The 2025 China International Service Trade Fair's financial services exhibition took place from September 10 to 14 at Shougang Park in Beijing, featuring 97 financial institutions, with 46 being foreign, resulting in an internationalization rate of 47.4% [2] - The exhibition showcased a blend of digital renminbi and AI technologies, highlighting the deep integration of technology and finance [2] Group 2: Digital Renminbi Innovations - A digital renminbi market was created, allowing visitors to experience the convenience of digital currency through various financial institutions, including China Bank and Agricultural Bank [3] - China Bank's "Mifang Card" emerged as a key highlight, offering integrated services for payment, communication, and transportation without the need for app downloads [3] - China Bank also introduced a self-service machine for digital renminbi hard wallets, enabling users to apply, recharge, and recycle funds autonomously [3] Group 3: Payment Technologies - Mastercard showcased its payment tokenization technology, which replaces sensitive information like card numbers to mitigate fraud risks during transactions [4] - The digital renminbi ecosystem is expanding beyond consumer applications into industrial uses, with examples from Industrial and Commercial Bank of China (ICBC) in cross-border settlements [4] - Tencent demonstrated new cross-border payment scenarios, allowing foreign visitors to use digital renminbi in various merchant settings [4] Group 4: AI Integration in Finance - AI technologies are evolving from auxiliary tools to intelligent drivers in the financial sector, as seen in ICBC's "Digital Human AI Customer Service" that enhances user interaction [5] - Tencent's "Mixed Yuan Financial Model" was highlighted for improving customer service, information, and risk control in wealth management [5] - JD Finance presented its AI wealth management assistant "Jing Xiaobei," which analyzes market trends and offers personalized recommendations [5] Group 5: AI's Role in Financial Services - The seventh China Fintech Forum emphasized AI's potential in transforming financial services, with a focus on integrating AI as a productive factor [6] - JD Finance reported significant success in fraud prevention, blocking suspicious transactions worth 1.66 billion yuan through various alert mechanisms [6]
京东集团多项供应链数智技术亮相2025年服贸会
Core Insights - The 2025 China International Service Trade Fair (CIFTIS) opened in Beijing, showcasing JD Group's innovations across various sectors including retail, technology, logistics, health, and industry, under the theme "Digital-Real Synergy, Smart Global Sharing" [1] - JD Group's "Seven Fresh Kitchen" and AI Interview Agent were recognized as exemplary service cases at the fair, highlighting their innovative supply chain and recruitment efficiency improvements [1][4] - JD Group aims to leverage its digital capabilities to optimize supply chains, reduce costs across industries, and enhance collaboration with over 100 state-owned enterprises [1] JD Group's Local Business Initiatives - JD's local services, including JD Takeout, Seven Fresh Kitchen, and JD Home Services, made their debut at the fair, focusing on addressing traditional industry pain points and enhancing home service market capabilities [2] - The "100 Billion Thousand Products New Growth Plan" by JD Global Purchase aims to introduce 1,000 new overseas brands and achieve 10 billion yuan in sales growth over three years [2] Technological Innovations - JD Cloud served as the official technology service provider for the fair, showcasing the "JD Office" smart government collaboration platform, which supports over 500,000 personnel in efficient cross-departmental collaboration [3] - The JoyAI model was highlighted with applications such as AI Interview Agent, which has improved recruitment efficiency by 70% and served over 100,000 job seekers [4] Supply Chain and Logistics Developments - JD's industrial solutions focus on creating a digital supply chain to enhance resilience and reduce costs by trillions, showcasing their integrated supply chain logistics system with over 30 new overseas warehouses [5][6] - JD's international supply chain capabilities were presented, emphasizing their infrastructure in over 50 locations across nine countries, aiming to become a preferred brand for Chinese enterprises going global [6] Health Services Innovations - JD Health demonstrated a closed-loop service model integrating medical consultations, testing, diagnosis, and medication delivery, enhancing online and offline healthcare service collaboration [5] - The introduction of AI medical products like "AI Jingyi" and "Kangkang" aims to provide comprehensive health management solutions across various scenarios [6] Vision and Future Goals - JD Group aspires to be the "most trusted global enterprise," leveraging its supply chain advantages to create value for global customers and partners, while promoting Chinese business civilization [6]
京办、机器人、数智金融全面亮相服贸会 京东科技展现产业助推动能
Zhong Jin Zai Xian· 2025-09-11 01:47
Group 1: Event Overview - The 2025 China International Service Trade Fair (CIFTIS) opened in Beijing on September 10, showcasing JD Group's innovations across various sectors including retail, logistics, technology, industry, and health under the theme "Digital and Real Economy Together, Smartly Enjoying the Globe" [1] - JD Technology presented numerous new products and applications at the fair, emphasizing its role in supporting the growth of the real economy and enhancing consumer confidence through technological innovation and high-quality services [1] Group 2: JD Technology Innovations - The "Jingban" smart government collaboration platform, supported by JD Technology, made its debut at the fair, demonstrating its capabilities in unifying management for various grassroots support points during major events [2][4] - The platform has integrated AI and large model technologies to enhance government operations, providing features such as real-time information push, intelligent writing assistance, and efficient meeting summaries, significantly improving office efficiency [5] Group 3: AI Applications - JD showcased multiple applications based on the JoyAI large model, including a digital guide that enhances visitor engagement at the fair and has been utilized in over 20,000 brands [8] - The AI interview agent developed by JD has improved recruitment efficiency by 70%, serving over 100,000 job seekers and recognized as a service demonstration case at the fair [8] Group 4: Financial Services - JD Finance created an immersive digital financial experience at the fair, presenting a range of services including consumer finance, payment solutions, personal finance, and consumer rights protection [12] - The JD White Bar service, launched in 2014, has served over 300 million users and over 2 million merchants, now offering interest subsidies on purchases marked with "national interest subsidy" to stimulate consumer spending [13]
对话京东金融:如何让AI理财变得更加靠谱
Tai Mei Ti A P P· 2025-07-02 07:02
Group 1: Core Insights - The rise of smart wealth management is transforming the wealth management industry through online services that leverage big data, cloud computing, and artificial intelligence to provide personalized investment solutions [2][3] - The global smart wealth management market is projected to reach approximately $1,645 billion by 2024, with significant growth in the Asian market, particularly in China, where the market is expected to grow at a compound annual growth rate (CAGR) of 38% [3] - Current penetration of smart wealth management in China is only 0.0068%, which is less than one-fifth of that in the U.S., indicating a vast potential market for major players like Ant Group and Galaxy Securities [3] Group 2: Technological Advancements - The industry is driven by dual technological engines, with frameworks like TradingAgents simulating real trading teams to enhance decision-making efficiency, achieving a Sharpe ratio improvement of 15% over benchmarks [4] - Ant Group's "Ma Xiao Cai" and Galaxy Securities' DeepSeek-R1 are examples of specialized models that provide personalized asset reports and enhance financial analysis capabilities [4][5] - The integration of multiple models in products like JD Finance's "Jing Xiao Bei" allows for a more nuanced understanding of market dynamics and user needs, improving the overall investment experience [5][6] Group 3: Risk Management and User Experience - "Jing Xiao Bei" employs a multi-agent collaborative framework to mitigate risks associated with AI in finance, including the management of "hallucination" risks where AI may generate fictitious data [6][7] - The system includes mechanisms for real-time monitoring of asset allocation and risk indicators, triggering alerts and rebalancing strategies when necessary [6][7] - Recent upgrades to "Jing Xiao Bei" focus on enhancing user experience through personalized services and stress-testing features, which help users understand potential risks in extreme market conditions [8][9] Group 4: Market Positioning and Future Trends - The competitive landscape is shifting from "intelligent density" to "human warmth," emphasizing the importance of understanding user needs and preferences in wealth management [10] - The evolution of smart wealth management tools aims to empower users to make informed decisions rather than simply replacing human judgment [10] - The integration of diverse financial data and advanced modeling techniques positions companies like JD Finance to better serve a wider range of investors, enhancing market opportunities [9][10]
京东金融推出AI财富管家京小贝 创新使用多模型融合多智能体协同
Core Insights - JD Finance has launched an AI wealth management tool named "Jing Xiaobei," which utilizes multi-model fusion and multi-agent collaboration to enhance investment opportunities and provide a smarter wealth management experience [1] Group 1: Multi-Model Fusion - Jing Xiaobei integrates a hybrid large model system that combines general capabilities with specialized financial models, enhancing financial analysis and decision-making [2] - The tool accesses vast amounts of structured and unstructured financial data, including real-time market data and macroeconomic indicators, to respond quickly to market dynamics [2] - For example, in fund diagnostics, Jing Xiaobei can analyze market trends and generate multi-dimensional quantitative evaluation reports to support user decision-making [2] Group 2: Risk Mitigation - Jing Xiaobei addresses AI "hallucination" risks by utilizing data from the JD Finance platform and employing methods like position analysis and risk preference tracking [3] - The system establishes a dynamic data lineage tracking system to ensure data reliability and automatically monitors asset portfolio deviations, triggering risk alerts when necessary [3] Group 3: Comprehensive Service Innovation - The product features five core functions: investment opportunities, intelligent analysis, asset optimization, risk alerts, and growth support, all integrated into the JD Finance app [4] - Jing Xiaobei offers personalized recommendations based on user profiles and historical preferences, enhancing user experience and operational efficiency [4] - The AI tool continuously learns from user interactions, improving service accuracy over time and transforming complex financial decision-making into a closed-loop experience [4] - JD Finance aims to deepen the integration of AI technology with financial scenarios, iterating on model capabilities and expanding service boundaries to reshape wealth management [4]