据了解，该项目应用了伐谋、千帆、文心大模型等百度最前沿的AI技术，建设"挖掘智能体""模型智能体""策略智能体"三类风控智能体，覆盖 风控架构中挖掘、模型、策略三个层次。同时，还将发挥AI擅长处理复杂数理问题、持续自我进化的特点，打造挖掘、模型、策略的"AI员 工"，既能解决风控人员短缺问题，又能解决人的经验局限性问题，有望为银行业沉淀出可复制的智能风控创新解决方案。 对此，周北春表示，AI作为新质生产力和生产要素，在银行机构的落地场景，已从过去的新技术尝鲜，步入业务流程重塑的阶段。 针对"AI是否会替代员工"这一问题，他明确指出："这个过程中，我们发现AI已从工具、新技术升级为新质生产力，成为新兴的数字员工，我们 目前认为有望会替代初级员工。" 12月26日，由金融界主办、宁波银行支持、清华大学经济管理学院中国金融研究中心提供学术支持的"启航·2025银行业高质量发展年会"在北京 成功举办。本次年会以"凝心启新，聚力致远"为主题，汇聚监管专家、学界精英、行业领袖及科技企业代表，围绕服务实体经济、数字化转 型、AI+金融创新、风险防控等议题展开深度讨论，为银行业高质量发展建言献策。 中信百信银行大数据部总经理 ...

【百度伐谋AI DAY发布生态计划，超2000家企业已"入局"】 就在今天的百度伐谋AI DAY上，一项可能深远影响产业智能化进程的计划正式宣布——百度伐谋"同舟生态伙伴计划"全面启动。这意味着，能在半小时内 演化出新的科研模型且准确率提升2.78%、将风阻分析验证从10小时压缩到1分钟的自我演化超级智能体伐谋，不再仅仅是百度的"秘密武器"，而是将成为生 态伙伴们可以共同握在手中的"生产力引擎"。自一个多月前亮相便吸引超2000家企业关注的伐谋，迈入生态赋能的新阶段。 要理解这个计划的价值，必须先看清伐谋解决实际问题的深度。以金融业的核心——风险控制为例。中信百信银行引入伐谋后，凭借其强大的高维数据感知 与推导能力，7×24小时自动在海量数据中演化、评估海量的特征组合。它不仅能高效复现人类专家的思路，更能发现人类可能忽略的、具有意想不到预测 价值的新特征。这场人机协作的结果是革命性的：风险特征挖掘效率提升了100%，同时核心风控模型的风险区分度提升了2.41%。这不仅仅是效率的翻倍， 更是风控精准度的一次质的飞跃，让银行能在更安全的前提下，服务更广泛的客群。 面对汹涌的行业需求，百度在AI DAY上给出的回应 ...

据悉，"伐谋"于11月13日首次亮相，是百度面向复杂工程与科研场景打造的"自演化算法系统"。目前已有2000余家企业申请试用，涵盖农业供应链、高校 AI4S课题科研、制造业排产调度、求解器团队关键算子研发等多个领域。 与传统依赖人工经验与反复调参的算法不同，伐谋以"自动生成—评估—进化"为核心机制，能够在明确目标约束下，自主完成算法设计、优化与迭代。 其核心理念是将人类专家的思考方式、问题拆解逻辑与工程经验系统化、程序化，使算法具备持续自我进化的能力，从而在复杂、高维、强约束的问题空间 中寻找全局最优解。 AIPress.com.cn报道 12 月 25 日，百度在 AI开放日 活动上披露，其自研的智能体系统"伐谋（Famo）"已在多个真实产业场景中完成落地验证，并在交通、制造、能源、科研等 领域展现出可规模化应用能力。 能源与基础设施领域，伐谋被用于海上风电与能源管网布局优化。通过自动生成和筛选结构方案，系统在复杂约束条件下完成路径规划，减少人工试错成 本，并提升整体设计效率。 在金融风控场景中，伐谋被引入银行风控模型构建流程。通过对高维特征进行自动组合与筛选，其生成的模型在风险识别能力和稳定性方面优于传统 ...

Core Insights - The central theme of the article is the recognition of "The Architects of AI" by Time magazine, marking a shift from the hype of AI to a more grounded phase of development and application [1][24]. Group 1: Recognition and Evolution - On December 11, Time magazine announced its 2025 Person of the Year as "The Architects of AI," indicating a transition in the global narrative of artificial intelligence from a prophetic phase to a construction phase [1][24]. - Baidu's founder, Li Yanhong, has been recognized multiple times by Time magazine, evolving from "Innovator" in 2018 to "AI Leader" in 2023, and now to "AI Builder," reflecting Baidu's strategic implementation of AI [6][29]. - Baidu has transformed from a search engine company to a leading full-stack AI company, with a diverse portfolio including chips, cloud infrastructure, models, agents, applications, and consumer products [7][30]. Group 2: AI Applications and Strategy - At the Baidu World Conference on November 13, the company showcased a series of advanced AI products and applications, emphasizing the importance of real-world applications in creating sustainable value [8][31]. - The article highlights the intense competition in the AI sector, with model parameters skyrocketing from hundreds of billions to trillions, leading to a significant increase in training costs and a homogenization of foundational models [9][32]. - Li Yanhong emphasizes that the focus should be on applications rather than creating a superintelligent AI, pointing out the need for AI to address challenges in China's strong manufacturing sector [10][33]. Group 3: Innovative Solutions - A key example of Baidu's application of AI is the recently launched super-intelligent agent "Famu," designed to find optimal solutions in real industrial environments [11][34]. - Unlike most generative AIs focused on chat and image generation, "Famu" aims to solve complex problems such as supply chain scheduling and traffic signal optimization [12][35]. - Li Yanhong anticipates that the most significant breakthrough in the industry by 2025 will be in multimodal AI, with hopes for revolutionary changes in drug development through AI [13][36]. Group 4: Long-term Vision and Strategy - Baidu's strategy is clear: leveraging full-stack technology to tackle challenging problems, which may not seem as grand as the concept of general artificial intelligence (AGI) but will create substantial value for the real economy [15][38]. - The article suggests that Li Yanhong's focus on applications is a higher-dimensional strategic determination, as models without applications may merely be code without real-world impact [15][38]. - The evolution of Li Yanhong's identity as a "builder" has been a long-term strategy, with roots tracing back seven years [16][39]. Group 5: Future of AI - The article concludes that future AI giants will not be those with the largest parameter models but those that can effectively solve real human problems using AI [23][46]. - Li Yanhong's shift from a prophetic role to a builder's mindset is seen as essential for AI companies to thrive in the evolving landscape [24][47].

Core Insights - Time Magazine named "The Architects of AI" as the 2025 Person of the Year, highlighting the contributions of key figures in the tech industry, including Baidu's founder, Robin Li [1][3] Company Overview - Baidu, originally a search engine company, has transformed into a leading full-stack AI company in China, with a diverse portfolio that includes chips, cloud infrastructure, models, intelligent agents, applications, and consumer products [3] - The company showcased a series of advanced AI products at the Baidu World Conference on November 13, emphasizing its unique development path focused on application value [3] Industry Trends - The AI sector in China has rapidly evolved over the past year, positioning itself as a significant player on the international stage, with Baidu being a key representative of China's AI development [3] - Robin Li predicts that 2025 will be a pivotal year for AI application proliferation, suggesting that only a few foundational models will remain, while numerous successful participants will emerge in various application areas [3][6] Strategic Approach - Baidu adopts an "application-driven" strategy, focusing on specific application areas rather than creating a universal model [5] - Li emphasizes that the true value of AI lies in its applications, not in the foundational models or chips [5] Competitive Landscape - The global AI competition has intensified, with a notable difference in focus between the U.S. and China; while the U.S. invests heavily in AGI, China prioritizes practical applications [5] - Baidu's newly launched self-evolving intelligent agent, "Famu," aims to find optimal solutions in real industrial scenarios, showcasing its technological competitiveness [5] Future Outlook - Li anticipates that the most significant breakthroughs in the industry by 2025 will be in multimodal AI, with hopes for revolutionary changes in drug development through AI [6] - The challenges in drug development, particularly in verifying the effectiveness of solutions, are seen as a bottleneck that AI could potentially address in the next 10 to 20 years [6]

Core Insights - Baidu's third-quarter report revealed a significant revenue decline of 7% year-on-year, marking the largest single-quarter drop in its history, with a net loss of 11.2 billion yuan [2][3] - Despite a 50% increase in AI-related revenue to 10 billion yuan, this growth was insufficient to offset the decline in traditional business segments, particularly online marketing, which saw a 19% drop [2][3][6] - The company is facing intense competition from rivals like ByteDance and Alibaba, leading to a painful transition period for its AI strategy [2][4] Revenue Performance - Baidu's core search advertising revenue fell by 19%, indicating a fundamental challenge to its traditional business model [3] - In contrast, the overall Chinese internet advertising market grew by 6.4% during the same period, with competitors like Tencent and Bilibili experiencing revenue growth of 21% and 23% respectively [3][4] Market Position and User Behavior - Advertisers are shifting their budgets towards platforms that offer shorter conversion paths, such as e-commerce and short video platforms, which has led to Baidu's marginalization [4] - User search habits are changing, with more users opting for platforms like Xiaohongshu and Douyin for information, resulting in Baidu's media position index dropping to ninth place [5] Cost Structure and Profitability - Baidu's revenue costs increased by 12% year-on-year, with sales and administrative expenses rising by 14%, primarily due to investments in AI cloud infrastructure [5][6] - The rising costs are squeezing profit margins, as the company spends more to generate revenue, making it difficult for AI business growth to compensate for losses in traditional advertising [6] Strategic Execution Challenges - Baidu's historical tendency to lag behind competitors in execution, despite early recognition of AI's potential, has hindered its ability to capitalize on its technological advancements [7][9] - The company has struggled to transform its AI capabilities into competitive consumer products, with its AI applications showing slow growth and low user engagement compared to rivals [7][8] Future Directions - Baidu is attempting to pivot towards an "Orion AI Engine" to shift its search model from traditional link retrieval to task-oriented solutions, aiming to maintain relevance in the AI era [8] - The company must transition from an advertising-centric model to one focused on user value and product experience to avoid further marginalization [9]

Core Viewpoint - The article emphasizes the importance of internalizing AI capabilities across various industries to enhance productivity and drive high-quality development [1][3]. Group 1: Internalizing AI Capabilities - Companies face the challenge of internalizing AI capabilities, which can be addressed by driving innovation through new scenarios and enhancing AI application capabilities [3][4]. - Specific AI technologies such as digital human technology, code intelligence, and autonomous driving have shown effective results in various applications [3][4]. - AI can help companies reduce costs, increase profits, optimize decision-making, and discover new growth points, particularly in scenarios with repetitive labor, labor shortages, high-risk jobs, bottlenecks, and complex decision-making [4][5]. Group 2: Industry Integration and AI Growth Engine - Internalizing AI capabilities in key industries like mining, chemicals, light industry, and shipping can strengthen the foundation of the real economy [5][6]. - The example of Baidu's algorithmic intelligence tool "Famu" demonstrates significant efficiency improvements in complex systems such as traffic and logistics [5]. - The integration of AI capabilities tailored to industry characteristics can enhance overall productivity and innovation capacity across sectors [5][6]. Group 3: Strategic Planning for AI Empowerment - There is an urgent need to explore new organizational and management models that facilitate human-machine collaboration in the context of systemic and structural changes brought by AI [6]. - Companies must ensure that AI capabilities permeate every aspect of production, operation, and service, from decision-making to execution [6]. - Baidu plans to increase investment in building advanced intelligent infrastructure and developing cutting-edge large model technologies to support the internalization of AI capabilities across industries [6].

Core Viewpoint - Baidu's Q3 2025 financial report highlights significant growth in AI business, with total revenue reaching 31.2 billion yuan and core revenue at 24.7 billion yuan, marking a substantial transformation in its revenue structure driven by AI initiatives [1][4][23] Financial Performance - The Q3 report reveals Baidu's first disclosure of AI business revenue, showing an overall year-on-year growth exceeding 50% [1] - Baidu's total investment in AI since March 2023 has surpassed 100 billion yuan [1] - Following the positive earnings report, Citigroup raised Baidu's target price, leading to over 2% gains in both Hong Kong and US stock markets [4] AI Business Segmentation - For the first time, Baidu's Q3 report separates AI revenue into three segments: AI Cloud, AI Applications, and AI Native Marketing Services, providing clearer insights into its product valuation logic [5] - AI Cloud revenue grew by 33% year-on-year, with AI high-performance computing subscription revenue surging by 128% [5][8] Market Leadership - Baidu Smart Cloud has maintained its position as the leading AI public cloud provider in China for six consecutive years, with significant adoption among state-owned enterprises and financial institutions [8] - The AI Applications segment generated 2.6 billion yuan in Q3, primarily through a subscription model, contributing to stable revenue [8] Product Innovations - The GenFlow 3.0 upgrade allows users to generate and edit documents using simple commands, enhancing user engagement [9] - AI Native Marketing Services saw a remarkable 262% year-on-year revenue increase, driven by digital human and intelligent agent technologies [10] Core Business Transformation - Baidu's search business has undergone a radical AI transformation, with AI-generated content accounting for nearly 70% of mobile search results [12] - The introduction of the Wenxin Assistant has significantly increased user engagement, with a fivefold increase in dialogue rounds and over 10 million daily active users [12] Autonomous Driving Growth - The "Luobo Kuai Pao" autonomous driving service recorded 3.1 million rides in Q3, a 212% increase year-on-year, with significant global expansion [13][16] - Baidu has achieved key milestones in autonomous driving, including obtaining testing licenses in Dubai and commercial operation permits in Abu Dhabi [16] Competitive Advantages - Baidu's AI growth is supported by a comprehensive stack of technologies, including chips, large models, and cloud services, differentiating it from competitors [20] - The latest Kunlun chips and Wenxin models are positioned to meet the demands of large-scale AI applications, enhancing Baidu's competitive edge [21] Future Outlook - Baidu's Q3 results reflect the effectiveness of its long-term strategy, demonstrating that AI can generate sustainable revenue and profits [23] - The company is exploring diversified shareholder return methods, including a stock buyback plan that has already repurchased 2.3 billion USD worth of shares [23] - The global AI market is expected to grow rapidly, with significant opportunities in large models, autonomous driving, and AI cloud services [27][28]

Core Insights - Baidu's Q3 2025 financial report highlights significant growth driven by AI, with total revenue reaching 31.2 billion yuan and core revenue at 24.7 billion yuan, marking over 50% year-on-year growth in AI business revenue [1][5] - The company has invested over 100 billion yuan in AI since the launch of Wenxin Yiyan in March 2023, aiming to solidify its leadership in the AI era [1][4] AI Business Performance - Baidu's AI business has exceeded market expectations, with three key segments showing strong performance, particularly AI-native marketing services, which generated 2.8 billion yuan, a 262% increase year-on-year [2] - AI cloud revenue grew by 33%, with high-performance computing infrastructure subscription revenue increasing by 128% [2] Autonomous Driving Expansion - The autonomous driving service, "LuoBo Kuaipao," achieved a 212% year-on-year increase in global ride service instances, totaling 3.1 million in Q3 [3] - The service has expanded to 22 cities globally, with over 1.4 billion kilometers driven in fully autonomous mode, maintaining industry-leading safety standards [3] Technological Advancements - Baidu's recent release of the Wenxin large model 5.0 marks a significant upgrade in core capabilities, while new hardware products, Kunlun M100 and M300, are set to enhance AI infrastructure [4] - The company emphasizes ongoing investment in cutting-edge technology, focusing on improving self-learning capabilities and multi-modal integration of large models [4] Strategic Outlook - Baidu's strategy centers on three main areas: increasing investment in advanced technology, deepening AI integration across industries, and accelerating global expansion through autonomous driving initiatives [4][5] - The financial report underscores the commercial value of AI technology and Baidu's clear strategic path of "technology-driven, ecosystem collaboration" [5]

Core Insights - The article discusses the evolution of Baidu under the leadership of Li Yanhong, emphasizing his shift in mindset towards focusing on technology-driven projects and learning from past failures [2][3][5]. Group 1: Leadership and Philosophy - Li Yanhong, at 57, demonstrates remarkable physical and mental vitality, attributed to his self-discipline [2]. - He reflects on past project failures, emphasizing that success is more likely when technology plays a decisive role [3]. - The philosophy of "knowing one's mission" is highlighted, indicating that both individuals and companies should focus on their strengths and interests [3][4]. Group 2: Project Evaluation and Strategy - Li Yanhong has decided to only pursue new projects where technology is a key factor, acknowledging that many past ventures were driven by market opportunities rather than technological advantages [3][4]. - Baidu's previous failures in various sectors, such as e-commerce and ride-sharing, are seen as lessons that have clarified the company's mission [5][6]. Group 3: AI Leadership and Market Position - Baidu is positioned as a leader in the AI sector, particularly in autonomous driving technology, with the "萝卜快跑" project achieving over 250,000 orders weekly and 17 million global service instances [6]. - Despite initial skepticism, Baidu's commitment to AI has led to significant advancements, although the company has faced challenges in public perception and project execution [6][7]. Group 4: Market Dynamics and Competition - Baidu was an early mover in the large language model space with "文心一言," but has struggled to maintain a competitive edge against later entrants [7][8]. - Frequent rebranding of the "文心" app reflects strategic uncertainty, although the company is expected to stabilize its tactical approach moving forward [8][9]. Group 5: Transformation Journey - The past decade has been characterized by Baidu's painful transformation from a dominant internet player to a focused AI company, with ongoing investments in AI despite challenges [10][11]. - The transition from a diversified strategy to a core focus illustrates Li Yanhong's journey of understanding and aligning with the company's mission [11][12].