奇富科技首席算法科学家费浩峻日前在接受记者采访时表示，金融AI的核心竞争力植根于数据资产、 真实场景与金融科技基因三者的深度融合，以及由此产生的协同效应。 （文章来源：新华财经） 从当前的技术研究与行业实践来看，费浩峻认为表示AI智能体的落地更多集中在成熟场景，客服领域 便是典型例子。过去，客服多以人工助手的角色存在，如今通过多个智能体的协同，已能完成大多数工 作。 费浩峻透露，公司最近新上岗了两个模型研发智能体，可实现"7×24"小时不间断工作，极大提升了工作 效率。仅一个月，核心业务场景的模型性能就有了将近1%的提升。且它们能持续自主工作，显著释放 了人力成本。 对于未来的发展，费浩峻提出了两个重要方向：一是打造端到端的决策风险智能体，希望其逐步替代现 有的风险决策逻辑，实现从数据输入到风险判断、决策输出的全流程自动化；二是开发经营与风险辅助 决策智能体，尽管目前让它完全独立承担经营决策还存在难度，但期望通过持续迭代，使其未来能成长 为可独立开展工作的 "决策人员"。 费浩峻认为，从现在开始，随着技术的不断成熟，大约两年后，AI智能体可能会更多以"数字人"的形式 出现。"到那时，大家或许不会再提'智能体' ...

Core Insights - The article emphasizes that Qifu Technology is becoming a key partner in the digital transformation of Chinese banks by integrating financial intelligence with business scenarios [1][7] - Qifu Technology's financial intelligence platform, Deepbank, and its various AI applications are designed to meet the real business needs of banks [2][7] Group 1: Financial Intelligence Development - Qifu Technology launched its self-developed financial intelligence platform Deepbank, which includes four core applications: AI Marketing Assistant, AI Approval Officer, AI Decision Assistant, and AI Compliance Assistant [2][3] - The financial intelligence system is built on a heterogeneous large model platform and a multi-agent collaborative framework, enabling deep understanding of financial semantics and user behavior [2][4] Group 2: Comprehensive Credit Solutions - The upgraded "Qifu Credit Super Intelligent Agent" includes five modules that cover the entire credit business process, enhancing decision-making capabilities [3][6] - The "End-to-End Credit Decision" module utilizes over 700 models and more than 1 billion historical decision data points to accurately assess user risk [3][4] Group 3: Technological Empowerment - Qifu Technology employs four technological engines: data flywheel, multi-modal fusion, self-evolution, and multi-agent collaboration to enhance the intelligence of its financial agents [4][5] - The AI Approval Officer can automatically extract key information from user applications and provide instant recommendations, significantly improving efficiency [5][6] Group 4: Practical Applications and Collaborations - Qifu Technology has demonstrated the effectiveness of its financial intelligence through partnerships with banks, leading to improved customer acquisition and reduced compliance risks [6][7] - A strategic cooperation agreement was signed with Guangdong Huaxing Bank to explore deep applications of AI in credit business, showcasing a collaborative model for digital transformation in banking [6][7]

Group 1 - The 2025 China International Financial Expo was held in Shanghai, showcasing the integration of AI and financial technology, with institutions demonstrating their latest technological advancements and applications [2] - Financial institutions are leveraging AI financial models to enhance their digital transformation, creating stronger competitive barriers in the "finance + technology" sector [2] - The focus is on five key areas: technology finance, green finance, inclusive finance, pension finance, and digital finance, aiming for high-quality development in the financial industry [2] Group 2 - Bank of China presented its theme "Digital Innovation and Financial Integration," highlighting its efforts in digital transformation and global service ecosystem [3] - As of the end of Q1, Bank of China's technology finance loan balance increased by 570.2 billion yuan, with a total of 113,300 clients [5] - Postal Savings Bank emphasized building a digital intelligence advantage and showcased its innovations in the same five key areas as Bank of China [6][10] Group 3 - Traffic Bank focused on digital transformation and cross-border payment solutions, showcasing its blockchain ecosystem for shipping trade [11][15] - Beijing Bank introduced its AI digital employee "Jing Xiaobao," which enhances customer interaction and financial services [16][18] - Urumqi Bank displayed its innovations in the five key financial areas, particularly in cross-border finance [19][21] Group 4 - HSBC highlighted the increasing demand for the use of the renminbi in cross-border trade, emphasizing its potential to improve operational efficiency for Chinese enterprises [22][23] - Ant Group's Vice President discussed the integration of large models into core business processes of financial institutions, showcasing various application paths [24][26] - Qifu Technology presented its AI-driven credit super-intelligent system, aimed at enhancing banks' credit capabilities and operational efficiency [28][30] Group 5 - OceanBase showcased its distributed database technology, which is gaining traction among financial institutions for core system upgrades [31][35] - The company emphasized the need for a collaborative approach involving policy guidance, technology drive, and market demand for successful digital transformation in finance [32]

Core Insights - The president of Qifu Technology, Zhou Xuqiang, emphasized the importance of achieving broader coverage of inclusive customer groups, more precise risk pricing, and more flexible business growth as key strategies to address industry homogenization and stimulate consumer potential [1] Company Highlights - Qifu Technology showcased the significant intelligent modules of the Qifu Credit Super Intelligent Agent at the 2025 China International Financial Expo [1] - The Qifu Credit Super Intelligent Agent aims to match expert-level credit capabilities for banks, assisting them in enhancing both technological and business strengths [1]

Core Viewpoint - The 2025 Lujiazui Forum in Shanghai focuses on "Financial Openness and Cooperation in the Global Economic Landscape," highlighting the importance of AI in transforming the financial industry and supporting Shanghai's development as a global financial center [1][3]. Group 1: Forum and Themes - The forum aims to establish Shanghai as a world-class financial center with global resource allocation and regulatory influence, supporting China's modernization through financial means [3]. - One of the key topics discussed is "AI Empowering Financial Reform and Innovation: Opportunities and Challenges," emphasizing AI's role in financial product innovation, service optimization, and risk management efficiency [3]. Group 2: Company Overview - Qifu Technology, a Shanghai-based fintech company, focuses on leveraging AI for the intelligent transformation of banks, contributing to the local financial center's development [3][4]. - The company has developed a "Super Intelligent Credit Agent" that includes multiple modules for credit decision-making, small business credit assessment, and AI compliance assistance, aiming to enhance financial service efficiency and quality [4]. Group 3: R&D and Innovation - Qifu Technology has invested heavily in R&D, with a team of over a thousand, including hundreds dedicated to AI and finance integration, and has filed 961 patents and over 80 copyrights [4]. - The company is set to establish a new headquarters in Shanghai, integrating its operations and creating a research and production center for fintech innovation [4]. Group 4: Industry Trends - The global financial industry is undergoing significant changes driven by AI technology, with traditional banking models evolving to meet diverse customer needs [4]. - The development of AI large models presents new opportunities for the financial sector, driven by technological, regulatory, and customer demand maturity [5].