由北京市通州区人民政府指导，《财经》杂志、财经网、《财经智库》主办的"《财经》年会2026：预 测与战略·年度对话暨2025全球财富管理论坛"于12月18日至20日在北京举行，主题为"变局中的中国定 力"。 阿里云智能新金融行业副总经理、资深研发总监 陈风 陈风围绕"数智转型赋能财富管理新生态"主题，分享了对大模型技术驱动财富管理变革的核心观点。他 从大模型技术发展的阶段和进展角度，清晰地阐述了三个核心判断。 第一，大模型并非单纯工具，而是一种新型生产关系，其影响体现在三个核心层面：其一，大模型将重 构人机协同的整体模式；其二，它不仅带来技术变革，更催生了"碳硅共生"的新型组织形式，未来将由 人类负责判断决策，AI承担执行工作；其三，大模型时代下CIO的职责将从传统的运维保障，全面升级 为智能架构师。他强调，当下我们正经历一场堪比工业革命的范式转移。 接受度呈现"冰火两重天"；三，基础设施中数据与接口未标准化导致打通困难；四，高成本投入与ROI 验证的决策压力。 第二，当前金融AI已迈入生产场景应用阶段，这一转变体现在两个方面：一方面，过去十年金融科技 的重心集中在平台搭建与系统建设上，多数金融机构坐拥成百上 ...

二、大模型应用在财富管理领域还是方兴未艾的阶段，还需要继续实践和推进。C端投资者接受度呈 现"冰火两重天"，63.8%的投资者尝试用大模型指导投资，但78%的投资者缺乏专业金融知识； 四、成本ROI顾虑突出，线下算力集群投资过亿，中小机构难以承受。 三、行业基础设施不完善，数据公开与私有化并存，接口标准化不足，性能与稳定性有待提升； 针对这些痛点，陈风建议采用"小步快跑"的落地策略，优先通过调用大模型+Agent的形式开展业务验 证，利用公共云算力将成本降低100倍，在控制风险的前提下快速推广投资策略优化、C端服务升级等 应用，逐步跑通商业逻辑。 专题：财经年会2026：预测与战略暨2025全球财富管理论坛 《财经》年会2026：预测与战略暨2025全球财富管理论坛于2025年12月18-20日在北京举行。阿里云智 能新金融行业副总经理、资深研发总监陈风介绍，阿里云"通义点金"大模型自2023年推出以来，已与中 金、易方达等180余家金融机构达成合作，30余家实现生产上线。 但他也坦言，当前大模型在财富管理领域的落地仍面临四大痛点： 一、技术成熟度存疑，不同模型在投资决策等核心场景表现差异显； 新浪声明：所有 ...

Core Insights - Artificial intelligence is revolutionizing economic activities and reshaping the financial industry, with a strategic partnership between Alibaba Cloud and the Bund Annual Conference set for 2025 [2] - Financial institutions are transitioning from tactical AI tools to strategic engines, emphasizing the need for systematic deployment of AI technologies [2][3] Group 1: AI in Financial Services - The financial technology sector is experiencing significant growth, with Alibaba Cloud's financial business doubling this year, indicating a deep integration of technology within Alibaba Group [3] - The maturity of large models and the widespread availability of computing power are driving the large-scale application of AI in financial scenarios [3] - Financial institutions are shifting their focus from merely enabling business to innovating business models, recognizing AI as a future development strategy [3][4] Group 2: Alibaba Cloud's AI Solutions - Alibaba Cloud's "Tongyi Dianjin" platform provides a comprehensive production loop for financial industry models, transforming AI from general capabilities to business value [4] - A significant percentage of major banks and insurance companies in China are utilizing Alibaba Cloud's large models, which support over 70% of AI application scenarios [4] - Alibaba Cloud's competitive edge in the financial sector stems from its full-stack AI capabilities, deep industry experience, and commitment to open-source strategies [4] Group 3: Evolution of AI Capabilities - The application of vertical models in finance is advancing, breaking technical barriers and enabling proactive value delivery in core areas like risk pricing and wealth management [5] - AI capabilities are evolving through three stages: from tool assistance to human-machine collaboration, and finally to result delivery, enhancing the ability to solve complex financial problems [5][6] - AI's role in financial organizations is transforming operational logic, allowing professionals to shift from repetitive tasks to strategic services, thus driving the evolution of financial services towards higher value [6]

Core Viewpoint - The rapid development of artificial intelligence (AI) is fundamentally reshaping the operational paradigm of the financial industry, driving systemic changes across strategy, organization, and application scenarios [2][4]. Group 1: Event Overview - The "FinAI Financial Model Frontier Innovation Forum" hosted by Alibaba Cloud at the 2025 Bund Annual Conference gathered numerous experts from banking, insurance, securities, and payment sectors to discuss the latest practices and trends in financial AI [1]. - This marks Alibaba Cloud's first participation as a strategic partner in the Bund Annual Conference, making it the only AI cloud company among the strategic partners [1]. Group 2: AI in Financial Sector - AI is transitioning from "local validation" to "full-process implementation" in the financial sector, impacting core business areas such as investment research analysis, credit decision-making, and compliance review [2]. - The financial industry, characterized by its data-intensive and talent-rich nature, is becoming a pioneer in the application of large models [2]. Group 3: Alibaba Cloud's AI Developments - Alibaba Cloud has accumulated years of experience in deploying AI in the financial sector, emphasizing the need for high reliability in content output, precision in data computation, and rigor in logical reasoning [4]. - In 2023, Alibaba Cloud launched the financial reasoning model "Tongyi Dianjin," which has been upgraded to provide five ready-to-use vertical models for various financial institutions, significantly lowering the application threshold for AI technology [4]. - Currently, 90% of national banks, policy banks, and large state-owned banks are utilizing the Tongyi model, with all 12 joint-stock banks integrated and the top ten property insurance companies relying on it for over 70% of their business scenarios [4]. Group 4: Infrastructure and Ecosystem - Alibaba Cloud's advancements in financial AI are not isolated but are deeply integrated with Alibaba Group's long-term investments in computing power, middle platform, and application scenarios, achieving systematic evolution from foundational infrastructure to upper-level financial business scenarios [5]. - Alibaba Group plans to invest over 380 billion yuan in cloud and AI infrastructure over the next three years [5]. - Alibaba Cloud has built a full-stack AI technology from IaaS to MaaS, enabling small and medium-sized financial institutions to access advanced AI capabilities at low costs [5]. Group 5: Collaborative Ecosystem - Alibaba Cloud's financial AI collaborates with Ant Group, Taiping Technology, and Ping An Healthcare, integrating into key "Finance + AI" scenarios to form validated vertical closed loops [6]. - The deep integration of AI technology with various scenarios is accelerating the implementation of technology and ecosystem construction, promoting the development of intelligent finance [6].

Core Insights - The launch of "Tongyi Dianjin" by Alibaba Cloud is set to revolutionize the financial AI landscape, providing a one-stop development platform tailored for financial scenarios [1][4] - The platform's core technology, the DianJin-R1 pre-trained model series, includes versions of 7B, 13B, and 32B, which excel in interpreting complex financial data and analyzing financial news [1][3] - The integration of over 25TB of financial data and the introduction of version 2.0 significantly enhance the platform's capabilities, allowing for rapid customization and deployment of financial applications [3][4] Technology and Data Resources - The DianJin-R1 model series has demonstrated exceptional performance in financial reasoning tasks, particularly the 32B model, which has consistently ranked at the top in industry evaluations [1] - The platform offers a rich dataset that includes financial news, research reports, and meeting records, providing a robust foundation for developers to create various financial applications [1][3] - Standardized API interfaces facilitate easy integration of functionalities into web pages, mini-programs, or enterprise systems, enhancing development efficiency [3] Market Potential - A McKinsey report indicates that generative AI technology could generate an additional value of $200 billion to $340 billion for the global financial industry, highlighting the significant market opportunity for Tongyi Dianjin [4] - The collaboration between Tongyi Dianjin and Alibaba Cloud's Bailian platform creates an open product ecosystem, offering diverse model choices and component configurations, which lowers technical barriers for clients [5] Strategic Vision - The product's core philosophy emphasizes simplifying complex underlying technology for financial institutions, allowing them to focus on optimizing business logic and achieving cost reduction and efficiency [3] - The comprehensive advantages of Tongyi Dianjin are expected to drive significant energy in the financial technology sector, especially as the industry accelerates its digital transformation [5] - Tongyi Dianjin represents not only Alibaba Cloud's technological prowess but also a significant step for the financial industry in embracing the future of artificial intelligence [5]