Core Insights - The 8th Digital China Construction Summit was held in Fuzhou, Fujian Province, focusing on how digital technology is reshaping the financial ecosystem and the training of digital finance talents [1] - The forum featured prominent figures from academia and industry, discussing the transformative impact of AI and large models in finance [1] Group 1: AI and Financial Innovation - Zhang Wenbin, CTO of Du Xiaoman, highlighted the shift from generative models to reasoning models, emphasizing their enhanced capabilities in complex logical reasoning [3] - The application of reasoning models in finance has evolved from peripheral areas like customer service to core scenarios such as user experience and risk decision-making [3][4] - AI Agents are revolutionizing customer interaction by providing seamless online guidance and real-time responses, thus improving user experience and reducing reliance on manual processes [4] Group 2: Risk Management Enhancements - Traditional risk management processes often lead to information loss due to the transformation of raw data into structured variables; reasoning models can utilize full-dimensional raw data to enhance data efficiency [4] - Reasoning models can identify high-risk behaviors, such as suspicious transfers to high-risk accounts, by analyzing user transaction data [4] Group 3: Implementation Strategies for AI - Zhang Wenbin proposed starting with "small cuts" to build Agents, focusing on specific scenarios and customer segments to develop differentiated models [4] - The recommendation includes applying AI in real-world scenarios to generate data that can optimize models, creating a feedback loop of application, data accumulation, model iteration, and effect optimization [4] - Companies should concentrate computational power and talent to establish teams that accelerate AI application, prioritizing the cultivation of "AI-aware talents" to drive organizational transformation [4]