2025 被称为AI Agent（智能体）元年，更准确地说，应该是它从前沿技术到应用落地的进阶之年。 如果说大模型技术是一把万能钥匙，那AI Agent 则像一个更清晰的指引、一个具象化的抓手，可以让企业快速链接到那扇通往「新世界」的大门，打开 它、走进去。 不只是停留在营销、客服等辅助环节，而是可以直抵「核心生产场景」，让企业以更低的成本、更高的效率实现「生产力重塑」，推动业务增长。 金融行业也在今年迎来了自己的智能体时代，包括蚂蚁数科、奇富科技等几家头部的金融科技公司，都正式发布了金融智能体产品。 当然，对于这个新兴事物，业内也有不同的声音，有保持观望的、有跃跃欲试的，也有觉得看不懂摸不透的。 但不可否认的是，这场「不可逆的生产力革命」已经吹响号角。 所以今天我们试图回答，关于金融智能体最重要的一些问题：他到底是什么？能做什么？对于一家金融机构而言，他最大的价值又是什么？ 「数字专家」：从认知到执行 在说到 AI Agent 的时候，最通俗的一个比喻就是「数字员工」，可以替代人工处理更多问题。 但乍一听这个概念，有些人可能会联想到金融数字化，或者金融行业的RPA（Robotic Process Autom ...

作者 | 柴旭晨 编辑 | 黄昱 "大模型在金融业的应用正逐渐从探索期迈向实践期，从可选项变成必选项。" 6月19日，蚂蚁数科副总裁余滨向华尔街见闻说道，"前两年，很多金融机构还将大模型视为辅助技术工具，现在大模型已经融入到金融机构的核心业务流程 和复杂业务场景中。" 年初DeepSeek的火爆，开启了AI落地产业热。 近年来，蚂蚁集团提出AI优先战略，对外推出了支小宝生活助理，蚂小财的财富助理，以及AI健康管家，在一些严肃专业的场景为老百姓提供人工智能服 务。而蚂蚁数科板块的核心就是将蚂蚁集团的科技产业化面向全行业输出，首当其冲的就是金融。 在余滨看来，现在AI的进展已经到达了重要的拐点时期，"如果金融机构抓住了，很可能给自己带来弯道超车的优势。反之很可能虚耗掉过去十年来在数字 化建设时期打下的先机"。 从趋势来看，去年金融AI应用场景多在C端客服，今年已进入核心业务领域：如何做好理财业务、保险理赔更高效。余滨向华尔街见闻透露，整个建设的节 奏从原先关注基础平台的建设，到现在变成业务的升级，甚至一些总裁已经在考虑，基于AI重构业务甚至是未来3-5年的战略。 "今年是Agent元年"，蚂蚁数科AI原生产品总经 ...

Group 1 - The core viewpoint of the news highlights the performance and financial metrics of Lianyi Rong Technology-W, including its stock price movement and financial results for the year ending December 31, 2024 [1] - As of June 2, the Hang Seng Index fell by 0.57%, while Lianyi Rong Technology-W's stock price increased by 15.57% to HKD 1.41 per share, with a trading volume of 41.12 million shares and a turnover of HKD 56.80 million [1] - Lianyi Rong Technology-W's total revenue for the year is projected to be CNY 1.031 billion, representing a year-on-year growth of 18.83%, but the net profit attributable to shareholders is expected to be a loss of CNY 0.835 billion, a decrease of 89.33% year-on-year [1] Group 2 - Lianyi Rong Technology was established in February 2016 with support from early investors like Tencent and has become the first listed Chinese supply chain financial technology SaaS company on the Hong Kong Stock Exchange [2] - The company has maintained the number one market share in China's third-party supply chain financial technology solutions for five consecutive years, focusing on advanced technologies such as AI, blockchain, cloud computing, and big data [2] - As of December 31, 2024, Lianyi Rong has served supply chain assets exceeding CNY 1.5 trillion and partnered with over 2,533 core enterprises and financial institutions, covering 29 provinces and regions in China and 27 countries globally [2]

（图片来源：林志佳拍摄） 4月29日，2025年第八届数字中国建设峰会在福建福州开幕，预计有超过800位企业家、30位院士，以及 成千上万名专家学者和社会各界人士参与此次会议。 AI 技术是本届数字中国建设峰会的重要关注方向之一。钛媒体AGI在现场注意到，华为、蚂蚁集团、 阿里云、腾讯，以及"三大运营商"中国联通、中国移动、中国电信等国内大厂都在现场体验区展示关于 数据中心、智能机器人、智慧城市等AI相关业务及服务。 国家数据局局长刘烈宏在第八届数字中国建设峰会开幕式上表示，当前，加快推进数字中国建设，要紧 紧抓住人工智能发展带来的前所未有的机遇，推动数据要素市场化配置改革和"人工智能+"行动同频共 振。持续推进高质量数据供给。加快推动数据要素与人工智能、科技创新、产业发展和赋能应用相结 合，推动行业高质量数据集建设，推动数据产业高质量发展，为AI技术创新和产业应用提供坚实的数 据基础，确保"人工智能+"行动到哪里，高质量数据集的建设和推广就到哪里。 值得一提的是，峰会期间，蚂蚁集团发布多项AI及数据要素领域技术成果：首次披露蚂蚁医疗AI产业 布局，蚂蚁数科企业级金融智能体开发平台Agentar，蚂蚁密算、蚂 ...

Group 1 - The event "Dual Empowerment: 2025 Guangzhou AI and Modern Finance Integration" was held in Guangzhou, focusing on the integration of AI and finance [1] - The former Deputy Governor of the People's Bank of China, Li Dongrong, emphasized that digital finance serves as a connector and booster for other financial sectors, driven by data elements and digital technology [1] - The CEO of Qifu Technology, Wu Haisheng, stated that the application of large models in finance is about to enter an explosive phase, enhancing AI penetration in the financial sector [1] Group 2 - Qifu Technology's President, Zhou Xuqiang, projected that the credit approval sector will undergo profound changes in the next 5 to 10 years, with deep integration of AI and financial operations [2] - Qifu has developed four financial AI agents: AI Marketing Assistant, AI Approval Officer, AI Decision Assistant, and AI Compliance Assistant, based on their proprietary heterogeneous model platform [2] - Qifu has partnered with multiple financial institutions, including Guangdong Huaxing Bank, to explore the application of AI agents in various business scenarios, focusing on marketing, risk control, decision analysis, and compliance [2]