AI正在房地产行业快速落地，但数据质量成为最大"拦路虎"。 人工智能的浪潮，正从通用模型的竞赛转向垂直行业大模型的应用，传统的房地产行业，也正在拥抱这 一技术变革。 在近日举办的全球开发者先锋大会（GDPS2025）房地产业人工智能论坛上，多家头部房企的技术负责 人透露，今年以来，房企纷纷拥抱AI，其垂直应用已经深入到房企投资、拿地、客研、产品设计、建 造、营销和服务等领域，房地产类的人工智能垂直应用，已处于爆发的前夜。 "我们某个楼盘开盘前，通过AI精准筛选目标客户，再做营销推送，今年通过这种方式大约成交1700 套，效果非常明显，通过AI营销带来的价值显著，所以这是我们愿意尝试的，投入很大。"一家TOP5房 企相关负责人在论坛中称。 "从今年开始，我们已经清晰地看到了一个新趋势的到来，AI不仅仅是实验室里的高深算法，或者少数 科技巨头的专属工具，它正渗透到各行业的毛细血管当中。房地产是一个体量庞大且与国计民生紧密相 连的行业，拥有丰富的应用落地场景，从规划设计、开发建造到市场营销、社区服务，每一个环节都蕴 藏着巨大的智能化升级潜力。"上海人工智能行业协会秘书长钟俊浩表示。 同时，房地产决策正在高度数据化， ...

12月10日，中国邮政储蓄银行以"开启数字邮储 i∞纪元"为主题，召开2025年数字金融大会暨手机银行 11.0发布会。邮储银行行长刘建军出席本次活动并致辞，副行长牛新庄在大会上首次发布了邮储银 行"AI2ALL"数字生态。此次大会展现了邮储银行在数字金融领域的阶段性成果与未来布局，彰显了其 以科技赋能金融、以智能重塑服务的坚定步伐。 坚守价值原点： 以战略定力守护金融本源 刘建军指出，科技正在以前所未有的力度改变着时代前进的速度、金融变革的深度、服务触达的广度。 对于银行业来说，技术始终是第一生产力，人工智能正在推动着传统金融模式加速解构，全新服务范式 全面涌现。邮储银行践行新时代的金融使命，立足服务实体经济本源，持续优化金融供给、降低融资成 本、提升服务体验，让金融活水如数字信息般精准滴灌千行百业、千家万户，与客户、合作伙伴共同创 造价值。 算力方面，基于千卡国产芯片，邮储银行建成了AI算力资源池，智能算力规模实现从"单机单卡"到"大 规模集群"的算力架构升级，并启动了国内金融行业首个国产超节点智算集群建设，大幅提升智算基础 设施水平。 算法方面，邮储银行坚持"外部引进+自主培育"双轨并行，一方面积极引进 ...

Investment Rating - The report maintains a "Recommended" rating for the company, considering its leading position in the fiscal IT sector and potential benefits from the upcoming digital government construction wave [3]. Core Insights - The company experienced a revenue decline of 7.67% year-on-year, with total revenue reaching 1.148 billion yuan in the first three quarters of 2025. The net profit attributable to shareholders dropped by 78.81% to 0.07 billion yuan [1]. - In Q3 2025, the company reported a revenue of 0.442 billion yuan, down 15.97% year-on-year, and a net profit of 0.049 billion yuan, down 32.45% year-on-year, primarily due to tightened budgets from downstream clients [1][2]. - The overall gross margin improved to 65.9%, an increase of 2.1 percentage points year-on-year, attributed to the company's strategy of enhancing the proportion of sustainable revenue [2]. - The company has embraced AI comprehensively, launching multiple AI+ products across various sectors, including public expenditure services and smart healthcare solutions [2][3]. - Recent government policies have provided strong support for AI+ applications in the public sector, which is expected to drive growth in the industry [3]. Financial Forecasts - The company is projected to achieve net profits of 0.323 billion yuan, 0.380 billion yuan, and 0.433 billion yuan for the years 2025, 2026, and 2027, respectively. The corresponding PE ratios are estimated to be 32, 27, and 24 times [3][4]. - Revenue forecasts for the upcoming years are as follows: 2.229 billion yuan in 2025, 2.581 billion yuan in 2026, and 2.905 billion yuan in 2027, with growth rates of 4.0%, 15.8%, and 12.5% respectively [4][9].