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异世之平淡是福,彩妆界的黑马,如何赢得消费者的心?
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异世之平淡是福,彩妆界的黑马,如何赢得消费者的心?

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  来源:财联社

  原标题:独家|多家银行被要求不得过度宣传单一大模型使用情况,应聚焦“自主、自研”

  银行年报季行将结束,但一个值得注意的现象是:大部分国有行、股份行并没有在业绩发布会上就单一大模型的应用和效果上“大做文章”。原因何在?

  日前,财联社记者从多家全国性商业银行内部人士处获悉,考虑到数据安全等方面的原因,有关部门要求大型商业银行不得过度宣传单一大模型的使用情况,“更应注重自主、自研”。

  “我们近期接到了内部通知,要求大型商业银行不能过度宣传单一大模型的情况。”某全国性商业银行办公室内部人士向财联社记者表示。

  该消息得到了至少三家全国性商业银行人士的证实。某银行知情人士向财联社记者表示,有关部门更希望大型商业银行在金融大模型方面在自研、自主等方面多下功夫。一部分原因在于,银行手中掌握大量敏感的金融数据,在信息安全方面必须更加重视。

  某江浙沪上市银行内部人士也向财联社记者证实,相关部门对于银行大量宣传使用单一大模型的情况较为重视和关注。“我在近期也接到了董事长、行长级人士的亲自通知,要求必须慎重,相关信息不能随意对外发布。”

  从3月底到4月中上旬,财联社记者参加了多家全国性商业银行、城商行的2024年业绩说明会。在多家大型商业银行的业绩会上,很多高管都谈及了金融科技、大模型对于银行效率的提升,但明确点名单一大模型的应用情况非常罕见。

  不过财联社记者注意到,各家商业银行在金融科技的投入依然在加大。依据年报信息,2024年国有六大行在金融科技方面的投入已经超过1250亿元。

  其中,工商银行金融科技投入285.18亿元,排位第一;农业银行信息科技投入总额249.7亿元;中国银行信息科技投入238.09亿元,占营业收入的3.76%,同比上升0.27个百分点;建设银行金融科技投入244.33亿元,占营业收入的3.26%;邮储银行信息科技投入122.96亿元,同比增长9.03%,占营业收入的3.53%;交通银行金融科技投入114.33亿元,占营业收入的5.41%。

  “事实上,全国性商业银行基本都在金融大模型方面有着长足的投入。很多银行的自研模型已经比较成熟,引入单一大模型后也不过多了一种选择。”某国有大行研究员表示,数字化、智能化依然会是大趋势。

【环球网报道】据美国《国会山报》16日报道,对于美国政府滥施关税做法,美国肯塔基州州长贝希尔在社交媒体上警告称,这等同于向美国家庭征税。

《国会山报》称,贝希尔在社交媒体上发帖说,有研究结果表明,预计美国政府采取的关税措施将使美国普通家庭每年多花费

4700美元。他还称,这意味着数月的食品杂货费等。

“没有哪个家庭能够安然渡过难关而不受到严重影响。对于那些在月底想办法支付账单的人来说,这足以让他们崩溃。”贝希尔补充称,美国政府关税措施是“糟糕主意”,这等同于向美国家庭征税。

美国政府近日决定对贸易伙伴采取关税措施,引发反对和批评。美国加利福尼亚州州长纽森16日宣布就关税问题起诉特朗普政府,并批评美国政府滥用关税政策给该州的家庭、企业和经济带来混乱,推高物价,威胁到就业。

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