At the inaugural Financial Street·Jinchengfang Forum themed "Setting Sail for the '16th Five-Year Plan'—Finance Empowers a New Cycle, Innovation Drives a New Future," Yang He, Director of the Modern Financial Research Institute at Industrial And Commercial Bank Of China Limited and representative of the rotating chair unit of the Beijing Financial Street Cooperation Development Council, shared insights on the impact of AI and the era of intelligent agents on financial institutions.

Yang He noted that AI is indeed transforming everything, presenting both challenges and opportunities for financial institutions. To address this trend, it is essential to first understand the potential influence of intelligent agents on financial institutions, particularly those with intermediary functions. This impact is mainly reflected in two aspects: first, the decoupling of reach relationships. Traditionally, financial activities required in-person visits or online searches, but with the advent of intelligent agents, these tasks can be assisted, altering conventional access methods. Second, the decoupling of credit methods. Previously, after signing agreements with banks, individuals conducted financial activities through bank apps. In the future, intelligent agents might bypass existing credit relationships through methods like inhalation, distillation, or other means, representing a more profound level of decoupling.