近日，毕马威中国正式揭晓2025年度第十届毕马威中国金融科技企业"双50"榜单。中信百信银行成功上 榜，实现连续八年蝉联此项荣誉，充分彰显其金融科技能力在行业科技创新浪潮中的突出表现与深厚积 淀。 "灵犀"智能体项目的推出，标志着中信百信银行在AI应用上迈向更深层次的认知交互领域。"灵犀"智能 体聚焦于多场景智能协同，针对传统智能客服在服务响应滞后、自助解决率低、服务获取路径复杂等痛 点，创新探索"一句话银行"能力，提升客户服务的智能交互体验——仅需"一句话"指令，即可完成转 账、余额查询等金融服务的咨询与办理。 数据赋能普惠金融服务，助力数字化运营 在数据爆炸的时代，中信百信银行深刻认识到：数据不仅是资源，更是驱动精准决策与数字化运营的新 质生产力。面对信贷业务场景中数据缺乏、数据孤岛等难题，中信百信银行运用大数据、人工智能等技 术构建信贷风控模型，有效评估客群风险，向个人用户、小微企业提供精准的普惠信贷服务。 此外，中信百信银行基于数据挖掘与智能体技术打造"智能问数"应用，实现指标统一管理、智能归因、 风险预警、智能应用四大核心能力；支撑业务人员自助完成指标查询、归因分析，经营指标预警归因， 形成"数据- ...

12月12日，由华夏时报社主办的"第十九届华夏机构投资者年会暨华夏金融（保险）科技论坛"在北京举 行。"2025华夏机构投资者年会典型案例"在论坛上揭晓，弘康人寿"智能问数"产品入选"2025年度数据 安全及隐私计算应用典型案例"。 随着保险行业深度转型，数智化进程的快速推进，科技正在成为保险业越来越重要的生产力。在数字化 浪潮推动下，弘康人寿顺势而为，充分利用大数据、人工智能、大模型积极拥抱数智化时代，探索应用 科技金融的创新模式。2025年，通过AI技术在保险业务场景的创新探索，弘康人寿创新研发"智能问 数"产品，借力于大模型与Auto-Agent技术的深度融合，聚焦理赔分析、风险评估、客户画像等保险核 心业务，突破了保险行业数据体量大、业务场景复杂，传统数据分析存在响应滞后、人力成本高、数据 利用率低等痛点，成功构建了"自然语言驱动、端到端自动化"的数据消费新范式，形成了从"业务提 问"到"洞察生成"的全链路闭环，提供了高效率、低成本、更安全的数据应用解决方案，助力行业全面 深化数字化转型。 弘康人寿"智能问数"产品革命性的提升数据价值释放效率与决策速度，将传统需数小时甚至数天的需求 响应周期，压缩至分 ...

Core Insights - Qingdao City has launched a "Three-Year Action Plan for Digital Education (2025-2027)" aimed at establishing a digital education system that integrates both traditional and intelligent approaches, focusing on nurturing future teachers and classrooms to enhance the quality of education [1][8] Group 1: Integrated Digital Education Framework - The plan emphasizes a comprehensive integration of educational processes through a national smart education platform and local educational platforms, enabling a unified management of educational resources and services [2] - A data center will be established to aggregate educational data, facilitating decision-making, teacher training, and classroom analysis, with a target of creating 100 diverse data application scenarios [2] - The initiative aims to develop high-quality educational resources, such as the "Qingkuai Learning" brand, to support personalized learning needs [2] Group 2: Intelligent Education Applications - The plan includes the promotion of artificial intelligence applications in education, such as "Smart Questioning" and "Smart Teaching Assistants," to enhance learning experiences [3] - A set of standards for AI-enabled classrooms will be developed, along with 300 intelligent teaching case studies across various disciplines [3] - The curriculum will be upgraded to include AI courses in all primary and secondary schools, ensuring a comprehensive educational framework [3] Group 3: Digital Application Scenarios - The action plan outlines five key application scenarios to drive digital transformation in education, including personalized learning and health education [4] - A total of 600 high-quality digital technology-integrated lessons will be selected, and 3,000 new online digital resources will be introduced [4] - The initiative aims to enhance educational governance through data-driven decision-making and the modernization of school management processes [4] Group 4: Talent Development in Digital Education - The plan includes a "151" digital talent cultivation project, aiming to train 300 digital leaders and 200 Chief Information Officers (CIOs) [5] - A framework for early identification and development of digital innovation talents will be established, alongside hosting national competitions in information technology [5] Group 5: Infrastructure and Policy Support - The plan emphasizes the enhancement of digital infrastructure in schools, including achieving 10G internet access and full wireless coverage [7] - A focus on building smart campuses and ensuring network security is highlighted, with 80% of schools expected to implement smart applications [7] - The establishment of operational mechanisms for digital education research and data application will support the overall goals of the action plan [8]

Group 1: Company Overview - Sichuan Jiuyuan Yinhai Software Co., Ltd. is a smart livelihood service provider with stock code 002777, focusing on information services and innovation in the livelihood sector [2][3] - The company has over 30 years of development history, emphasizing its commitment to "technology serving the people" and promoting values of "innovation, struggle, and win-win" [2][3] - Jiuyuan Yinhai is a high-tech enterprise aligned with national strategies such as Healthy China and Digital China, holding CMMI5, ITSS, and other first-level qualifications [3] Group 2: Financial Performance - The company reported a negative operating cash flow, but has maintained positive net cash flow from operating activities since its listing in 2015, with a 34.79% year-on-year increase in the first half of 2025 [3][5] - Inventory balance reached 345 million, primarily consisting of equipment purchased for system integration and human costs related to software development and operation [7] Group 3: Strategic Focus and Market Position - Jiuyuan Yinhai focuses on three strategic areas: healthcare insurance, digital government, and smart cities, serving government departments and industry stakeholders across eight major regions in China [3] - The company has participated in the formulation of over 50 international and national standards, owning more than 2,100 software products and copyrights [3] Group 4: Competitive Strategy - To address industry competition, the company leverages its 30 years of industry experience and maintains competitive cooperation with internet enterprises, innovating application scenarios [4][5] - The company is actively enhancing its research and development, market expansion, and cost management to improve its profit margins, which have been pressured by increased costs and extended project cycles [5] Group 5: Data and AI Initiatives - Jiuyuan Yinhai is developing data products and services based on government public data to support the construction of a digital government and economy [6] - The company has invested in AI technology, creating an ecosystem that integrates data, models, and scenarios to enhance services in healthcare, digital government, and smart cities [8][9]

Core Insights - The company showcased two innovative products, "Smart Query" and "Smart Query All-in-One Machine," at the 2025 China International Big Data Industry Expo [2] - The "Smart Query" product is designed to address the challenges of traditional Business Intelligence (BI) tools, offering a "dialogue for analysis" mode that integrates various data functions [2] - The "Smart Query All-in-One Machine" is a privatized version of the "Smart Query" product, enabling financial personnel to perform complex analyses without needing specialized skills [2] Product Details - "Smart Query" is built on the Realinsight platform and aims to simplify data analysis for users by providing real-time insights and reducing operational costs [2] - The product has been successfully implemented at State Power Investment Corporation and is being promoted in other organizations such as State Grid Headquarters and Southern Power Grid Broadcasting [2] - The "Smart Query All-in-One Machine" includes pre-set financial statements and key indicators, allowing for immediate use and significantly lowering the analysis threshold [2]

Group 1: AI Technology Development - The company focuses on AI research areas including Large Language Models (LLM), Natural Language Processing (NLP), Knowledge Graphs (KG), Computer Vision (CV), and Optical Character Recognition (OCR) [2][3] - AI-related products and solutions launched include intelligent Q&A, intelligent data inquiry, intelligent filling, intelligent review, report generation, and intelligent image recognition [2][3] - The company has implemented numerous application scenarios, such as emergency response Q&A for power disasters and automatic generation of inspection reports [3][4] Group 2: Low-Code Development Platform - AI's emergence enhances the capabilities of the low-code development platform rather than replacing it, making AI integration a key trend [4] - The company has integrated AI automatic coding tools into its low-code platform to improve development efficiency [4] - A proprietary large model supporting private deployment has been developed to automate data model generation and form construction [4] Group 3: Market Expansion and Strategy - The company is expanding its digitalization experience from the power industry to sectors like petrochemicals, rail transportation, and aerospace, aiming to increase revenue share from these industries [5] - The strategy includes a "dual-wheel drive" approach, focusing on both industry-specific digital solutions and standardized software represented by the "AI low-code" development platform [5] Group 4: Workforce Structure - By the end of 2024, the company expects to have approximately 2,000 employees, a decrease due to strategic adjustments and optimization of personnel structure [6] - The workforce includes over 200 management and functional staff, with around 1,200 technical personnel divided into product R&D and project delivery teams [6]

Core Viewpoint - The company focuses on digital empowerment in its main business areas, advancing a national strategy for high-quality development, and emphasizes the integration of AI and blockchain technologies to enhance its service offerings [1][2][3] Group 1: Business Strategy and Development - The company aims to achieve a revenue of 555 million yuan in 2024, reflecting a 3.14% increase year-on-year, indicating stable operational growth [1] - The company is committed to AI research and application, establishing multiple innovation platforms and collaborating with institutions like Nanyang Technological University to enhance technological development [1][2] - The company has expanded its market presence to over 20 provinces, serving nearly 500 million people, with a 29.90% increase in revenue from external markets [3] Group 2: Product Innovation and R&D - The company has developed a range of new products addressing digital transformation challenges, including intelligent fund supervision and digital robots, enhancing its product competitiveness [2][5] - The company has invested 356.67 million yuan in R&D from 2022 to 2024, with 533 intellectual property rights, including 53 patents, showcasing its commitment to innovation [5][6] Group 3: Shareholder Returns and Governance - The company has distributed a total of 132 million yuan in cash dividends since its listing, with a proposed dividend of 0.65 yuan per share for 2024, representing 40.58% of its net profit [6] - The company has held multiple board meetings and training sessions to enhance governance and compliance, ensuring effective decision-making and adherence to regulations [7][9] Group 4: Internal Control and Communication - The company emphasizes the importance of a robust internal control system to mitigate risks and enhance operational efficiency [8] - The company maintains transparent communication with investors through various channels, ensuring they are well-informed about the company's performance and strategic direction [9]