国寿研发中心 前瞻规划"大后台+小前端"的科技布局 信息作为构成世界的三大要素之一，其重要性不言而喻。 "六个必须坚持"中"坚持守正创新"要求遵循事物本原，尊重基本原理。中国人寿深谙此道，早在2012年就与清华大学合作研究，总结了信息化"处理、传递、交 付"的三个本原特征，并以此为遵循，一步步探索数字国寿的建设发展之路。 在北京稻香湖的科技园区，有一座隐形的"科技之城"正在崛起。 这里没有鳞次栉比的摩天大楼，却藏着支撑一家大型金融保险机构全国数亿客户保险需求的"数字心脏"；这里听不到车水马龙的喧嚣，却时刻上演着数据奔流、智 能决策的科技交响曲……以"六个必须坚持"为指导，中国人寿保险股份有限公司（以下简称"中国人寿"，股票代码：601628.SH，02628.HK）用多年实践，构建起 涵盖"云-网-端"的数字化基础设施，将保险服务从"物理网点"延伸至"云端之城"，重新定义了金融服务的时空边界。 作为寿险行业头雁，中国人寿从世界观和方法论的高度深刻把握"六个必须坚持"核心要义，充分运用贯穿其中的立场观点方法指导实践推动工作，加快数字国寿建 设，推进高质量发展。以此为根本遵循，中国人寿坚守保险保障本源，将科技作为 ...

Core Viewpoint - The article emphasizes that the true beneficiaries of the AI revolution are not only the companies creating AI technologies but also those that effectively integrate AI into their operations to enhance efficiency and profitability, referred to as "second-order winners" [1][2][9]. Group 1: Historical Context and Examples - Historical examples illustrate that during technological revolutions, the greatest returns often come from companies that leverage new technologies rather than those that create them. For instance, the automotive industry saw more significant gains from downstream service providers than from car manufacturers [1][2]. - Gulf Refining's establishment of self-service gas stations exemplifies how companies can capitalize on technological advancements without being the creators of the technology [2]. Group 2: AI Integration in Companies - Companies like Shake Shack have successfully integrated AI and automation to enhance operational efficiency, reducing the time to prepare meals and lowering labor costs while increasing employee wages and profit margins [3]. - Ecolab's modeling indicates that it can automate approximately 50% of high-probability automation roles, leading to significant cost savings and improved profit margins without altering revenue [4]. Group 3: Chinese Companies Leveraging AI - JD Logistics has implemented the "Zhi Lang" system, which has tripled picking efficiency and significantly improved sorting accuracy, contributing to its profit growth [6]. - Ping An has effectively utilized AI in insurance processes, achieving rapid underwriting and claims processing, which has led to substantial cost reductions and enhanced customer experience [6]. Group 4: Investment Perspective - Investors are encouraged to focus on companies that have embedded AI into their operations, as these firms are likely to provide more stable returns compared to high-valuation AI technology creators [7]. - The characteristics of promising companies include labor-intensive operations that can benefit from AI cost reductions, clear and repetitive business processes, and the ability to scale AI applications effectively [7]. Group 5: Macro Economic Impact - The integration of AI is expected to reshape overall productivity in China, with projections indicating a potential GDP increase of about 8% by 2030 due to AI applications across various sectors [8]. - Companies that can quickly adapt and utilize AI to enhance efficiency are likely to continue benefiting from the efficiency dividends in the coming years [8]. Group 6: Conclusion - The article concludes that AI represents a revolution in efficiency, and investors should focus on companies that effectively integrate AI into their business models, as these "downstream" enterprises may yield better returns than those merely creating AI technologies [9].