go for a spring outing/hiking

On March 9, visitors enjoyed plum blossoms in Gwangju Park, Guanduhe Scenic Area, Guangshan County, Xinyang City. Recently, the plum blossom in Gwangju Park has gradually opened, attracting tourists to come. Xie Wanbai

On March 9 th, the weather was sunny and the spring was bright. Parents took their children to play and fly kites in Qianshuyuan Park, Zhecheng County, Shangqiu City, and enjoyed the beautiful spring time. Zhang Zibin

How does technology reshape the new format of financial services? KPMG China summarized these nine trends.

At present, the rapid penetration of a new generation of information technology in various industries is the general trend, and the financial industry is the most important. Financial services have gradually evolved in the innovation and development of financial technology, which has opened a new situation of digital transformation and gradually become a new engine to promote the transformation and upgrading of the whole industry and the whole industrial chain.
The newly released KPMG China Double 50 list of financial technology enterprises in 2023 and the annual trend report integrate the industry empowerment resources, sort out the strategic advantages of special fields, and emphasize the development trend of inclusive finance from "integration of numbers and reality" to "symbiosis of numbers and reality", which provides multi-faceted reference and support for the prosperity of China’s financial technology industry and promotes the construction of China’s financial technology ecosystem.
Huang Aizhou, managing partner of KPMG China Financial Technology, said that in the process of digital transformation of the financial industry, there are unique advantages compared with other industries in the three pillars: algorithm, computing power and data, which are needed for the vertical model of the industry to land. Among them, the data determines the intelligent scope of the big model, and the financial industry has mastered a large number of historical data and written materials, which provides natural convenience for the development of the big model of the industry; Financial technology enterprises have also formed their own unique solutions in the process of financial digitalization and intelligence in terms of algorithms and computing power. It is expected that as the bottom big model changes from increment to stock stage, fighting for quality and landing will become the focus of competition, and the competitive advantage of enterprises on the reasoning side of the force model will be further revealed.
The report analyzes and summarizes the listed enterprises in five dimensions: professional field, city and region, main technical elements, proportion of technical personnel and establishment time.
In addition, the report also introduces in detail the development trend and future development layout of financial technology in 2023.
Trend 1: The development of financial macro-model will have a far-reaching impact on the paradigm of financial technology industry (annual trend). In the era of mobile Internet, China’s financial technology has made numerous innovations in mobile payment, digital credit and other fields, leading the world. Domestic manufacturers are actively developing the layout of large financial models, and relevant enterprises need to build competitive advantages by "having data" and "understanding scenarios". The wide application of the future financial big model will have a subversive impact on the current industry paradigm in the following aspects: the change of AI cognition and concept, reshaping customer service process and experience, improving risk management, improving financial service efficiency and innovating financial business forms.
Trend 2: Science and technology investment pays more attention to output energy efficiency, and peer-to-peer science and technology output changes to ecological empowerment mode (integrated financial technology). Comprehensive financial technology enterprises actively embrace the new round of scientific and technological development opportunities brought by the big model by virtue of their scientific and technological advantages and innate financial industry genes. On the one hand, we continue to increase investment in science and technology, but pay more attention to business orientation and precise focus in objectives and methods; On the other hand, it continues to export scientific and technological capabilities to its peers, and the service direction has changed from traditional technical empowerment to all-round ecological empowerment.
Trend 3: AI helps to innovate wealth management, and the core system of the organization is autonomous and accelerated (wealth technology). Since the end of 2022, the explosive development of AIGC has brought great imagination to the financial industry. Wealth technology companies apply their accumulated data and experience in the field of AI application to the training of financial big models, providing support for wealth management business scenarios such as investment, research and marketing. It is expected that with the maturity of AIGC technology, wealth management institutions will explore more application scenarios of the big model to improve efficiency and service upgrade; At the same time, AIGC still needs to be cautious in providing investment advice to customers directly, due to unclear relevant supervision and data security and data privacy issues. On the other hand, wealth technology enterprises actively provide the latest technical solutions for large and medium-sized wealth management institutions, and gradually improve the efficiency, stability and autonomy of the core system through the modularization and decentralization of distributed technology.
Trend 4: Insurance technology has evolved into risk reduction management, and the service boundary (insurance technology) has been continuously expanded in combination with industrial upgrading. At present, the principle of risk management in insurance industry has gradually evolved from equal risk management to risk reduction management. On the one hand, relying on the wide application of new technologies, insurance technology companies will transform the original uninsurable risks into insurable risks, and relax the original restrictive underwriting conditions to comprehensive underwriting, which will create a broader insurance market space. On the other hand, technology no longer depends on insurance, but penetrates into the development process of all walks of life, and in the process of development, new risk management demands are derived, and the service boundary of insurance technology is continuously expanded by combining with industrial upgrading.
Trend 5: Digital symbiosis and digital platform services accelerate the development of inclusive finance (Pratt & Whitney Technology). The symbiosis of number and reality will accelerate the development of inclusive finance, thus achieving the high-quality development goals of inclusive finance, such as more popular basic financial services and more convenient financing for business entities. In addition, through the digital service platform, small and medium-sized enterprises can widely access digital resources, build digital intelligent business processes, meet the ever-changing market demand, and accelerate the digital intelligent transformation of small and medium-sized enterprises.
Trend 6: Multi-parties join hands to expand the new blue ocean of supply chain finance, and scene product innovation is emerging (supply chain technology). With the vigorous development of digital economy, the digital penetration rate of supply chain finance has gradually increased. The supply chain science and technology platform has accelerated its efforts in the scene business. It is expected that there will be more scene-based innovative products based on data credit in the future, and the traditional confirmation mode will begin to weaken. In addition, many large enterprise groups have responded to the policy call and accelerated the pace of building a supply chain platform; Financial institutions also pay more attention to cooperation with core enterprises and high-quality supply chain technology third-party platforms.
Trend 7: Mobile payment innovation scenario application, cross-border payment opens up a new chapter in the sea (payment technology). From the C side, the third-party payment platform expands its business by exploring new scenes and product innovation; From the B side, the mobile payment platform is empowered based on the payment function and provides integrated services. In addition, the cross-border payment platform not only provides payment services for customers, but also provides services such as foreign exchange and foreign exchange risk management for enterprises, as well as services such as platform opening, global acquiring, overseas marketing and supply chain financing, so as to provide customers with comprehensive services to enhance customer stickiness.
Trend 8: Regulatory technology is expected to improve regulatory efficiency with the help of large models (regulatory technology). The rapid development of emerging technologies such as AIGC provides imagination for the development of financial supervision technology, and the development of supervision technology will increasingly rely on scientific and technological means to achieve more efficient and accurate supervision. At the same time, the development of regulatory technology will also promote financial technology innovation and empower the financial industry to deepen digital transformation.
Trend 9: A new round of development opportunities will be opened, and a big article on digital finance (platform technology empowerment) will be done with the tide. At the present stage, the trends of innovation and going out to sea are highly certain, and actions such as "data elements ×" and "high-quality development of computing infrastructure" have been steadily promoted, which coincides with the opportunity of technological change brought by the big financial model and generative AI, and is expected to drive the sustained release of China’s financial technology value, further affect the global market and help the high-quality development of digital finance.
Author: Tang Weijie
Text: Tang Weijie Photo: Information Photo Editor: Shang Hui Editor: Rong Bing
Please indicate the source when reprinting this article.
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Tianjin: Deploy the target in stages and promote the construction of financial innovation operation demonstration zone.

  According to 21st century business herald, the reporter noted that the Tianjin Municipal People’s Government issued the "Proposal on Further Promoting the Construction of Financial Innovation Operation Demonstration Zone" on January 8. The plan points out the overall goal of the future in three time periods: in the next three years, it will continue to maintain the leading position in the financial leasing and commercial factoring industries in China, and at the same time create a number of financial agglomeration symbol areas with themes and characteristics. In the next five years, the added value of the financial industry will account for about 15% of the regional GDP, and the overall asset scale of leasing will reach 2.7 trillion yuan. The scale of leasing and disposal of aircraft, international shipping vessels and offshore platforms will remain above 80% in the whole country, and the total assets and factoring financing balance of the commercial factoring industry will remain the first in the country. In 2035, a world-class national leasing innovation demonstration zone and a national commercial factoring capital will be built in an all-round way, which will provide a practical sample for China’s characteristic financial development.

Merry Christmas greetings short 2021 latest Tik Tok hottest Christmas greetings sentence phrases.

"This article is from Minnan. com"
Christmas is here ~ Merry Christmas, friends ~ What are you going to do today? I believe that no matter how you spend it, it will be a unique and happy day!
Sogou screenshot December 23, 2011730 _ 8
First, no matter how gorgeous other people’s Christmas wishes are, they can’t compare with your simple Merry Christmas.
Second, there is no Santa Claus in the world. All the gifts and surprises come from people who love you.
Third, in my opinion, you are the twinkling star on the Christmas tree.
Fourth, I hope the Christmas tree, gifts and surprises will come with you.
Five, it would be great if Santa Claus could send you here.
Six, waiting for snowflakes, Christmas trees, New Year fireworks, and a better you.
The best Christmas present I received was you who came for me through the storm.
Eight, turn the socks upside down, inside out, hang them up, and the whole world is your gift.
Nine, I didn’t wait for snow this Christmas, but I waited for you.
Ten, you are so cute, will you be my Christmas present?
Eleven, I want to receive a Christmas greeting from you, which may be my greatest wish.
Twelve, if I ask Santa for you, will he give it to me?
Thirteen, I told Santa Claus that the gift is you and the child is me.
Fourteen, no matter how many Christmas gift lists there are, one of you is enough.
Fifteen, if Santa Claus didn’t prepare a gift for you, I decided to pack me for you.
Sixteen, every snowflake at Christmas is my miss for you.
Seventeen, can you turn on the front camera? See? That’s what I want for Christmas.
I hope Santa Claus will put you into my socks that I haven’t washed for a week.
Nineteen, hang the stars on the Christmas tree and hang you on my heart.
Twenty, someone is called Christmas, and single dog like me is called commemorating Jesus at most.
Is the man who said he would spend Christmas with you every year still there?
Xiaobian here wishes everyone a merry Christmas, and happiness is more than Christmas.
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All anxious, all chaotic, China football to the dog eat dog bone moment.

As a commentator, Mr. Huang appeared on XXTV-5 in the early 1990s, and Huang and Liu and Zhang Sanjianke created the column of World Football, which made us look forward to every Monday when we were studying in Beijing. My last impression was that I co-hosted the 2002 Japan-Korea World Cup with Shen Bing in 2002.

Later, it is said that he joined the media and became the online celebrity of football. With his football level, he should be able to dominate one side, and entertainment football can flourish off the court. Should be blessed, although the age difference is not big, but after all, watching his program has a beard.

Another master’s corner, I really don’t know. I know it by chance because of a technical term of "protective response" That is, online celebrity, who wears sunglasses and bobs his head to catch and scold anyone on the Internet, is said to know the way and know the king better than the beautiful country and Sichuan.

Because of the big sunglasses, I knew that I had a football teenager. Frankly speaking, we are not football professionals. Although big sunglasses preached everywhere that he was engaged in youth training, we always felt that it was at best a football training class and an off-campus training class.

It seems that the relationship between the two is not bad, and they have been entertaining to death, and they are also connected to each other live. I don’t know about it recently, maybe Mr. Huang has seen through the scam; Perhaps the head of the new Football Association named the big sunglasses, and Mr. Huang wanted to raise his arms and shout for the sake of his inner conscience.

Mr. Huang finally decided that junior football is a performance class in online celebrity. Zhan Yan, it’s worse than us, and we also evaluate it as teaching and training.

Big sunglasses know the king, how can you stop? Come on, bully me, no way. Although we are not studying literature, we are studying inorganic materials. We’re not subtle. What do you think you came from? Leave that station, you’re nothing, and you’re a bitch.

Football in China, what is this situation? In a rural phrase, that is: dogs eat dog bones.

China football, when can you get clean and let a certain line really "do it"?

This time, I am optimistic about Mr. Huang, just because I follow my heart and my heart.

Generative AI stands on the cusp: Silicon Valley bets that future technology giants will shuffle?

Generative AI is getting more and more popular. Is this really a good business?

Recently, AI painting is on fire.

By inputting some words, AI can generate an image that matches the words in a few seconds. These images are wild, and some are even bizarre. For example, people have extra fingers on their hands, and their fingers bend unnaturally. Even, AI can generate some meaningless billboards and alphabets that humans have never seen before.

Although AI painting is outrageous, it has set off a wave of science and technology: the spring of generative AI has come.

David Beisel, a venture capitalist at NextView Ventures, said that in the past three months, the word "generative AI" once became a hot word. Moreover, the generative AI technology has developed rapidly and the market enthusiasm is so high that many people even quit their jobs to start a business in this field.

There is no doubt that AI has been in a prosperous stage in the past five years or so, but most of these past advances have to do with understanding the existing data-for example, the AI model has been able to quickly and efficiently identify whether there are only cats in your mobile phone photos. However, the generative AI model generates something completely new that has never been seen before. In other words, generative AI is not just about analyzing existing data, but creating.

Boris Dayma, founder of Craiyon generative AI, believes that "generative AI is not only creating old images, but also creating many new things, which are completely different from what we have seen before."

Sequoia Capital also said in a blog post on its website: "Generative AI has the potential to create trillions of dollars in economic value." Sequoia Capital predicts that generative AI may change all industries that require human beings to create original works, from games to advertising to the legal profession. It is worth mentioning that Sequoia Capital also pointed out in its blog post that this message was partly written by GPT-3 (GPT-3 is a generative AI capable of generating text).

Working principle of generative AI

In the past, deep learning technology was widely used to train the model on large data sets. When the program understands the relationships in these data, the model can be applied to actual scenes, such as identifying whether there is a dog in a picture or translating text, and so on.

The working principle of the image generator is to reverse this process. For example, instead of translating English into French, it translates English phrases into images. Specifically, it usually has two main parts, one is to process initial phrases, and the other is to convert data into images.

At first, generative AI was based on a method called GAN, that is, the generative adversarial network. In essence, this method is to make two artificial intelligence models compete with each other to better create images that meet the target.

At present, generative AI is usually based on Transformer, such as image generator DALL-E and so on. DALL-E was first created by OpenAI in 2021, and in 2022, OpenAI released DALL-E 2.

Christian Cantrell, a developer who focuses on generative AI, said: "With DALL-E 2, we can really cross uncanny valley." (The Valley of Terror theory is a hypothesis about human perception of robots and non-human objects. It was put forward by Japanese robot expert Masahiro Mori in 1970. )

Another commonly used AI-based image generator is Craiyon (formerly known as DALL-E Mini), where users can enter phrases in the browser and see the illustrations it generates within a few minutes.

According to Dayma, since its launch in July 2021, Craiyon has produced about 10 million unprecedented pictures every day, which adds up to 1 billion. Earlier this year, the use of Crayon soared, and Dayma also took Crayon as its full-time job. In addition, Dayma has created a Twitter account to post the weirdest and most creative pictures generated by Craiyon. For example, ketchup comes out of the tap on the Italian sink.

In addition, Stable Diffusion has also received wide attention. The project was released in August this year and has been open source on GitHub. Developers can run the project on computers, not just in the cloud or through programming interfaces. For example, Stable Diffusion can be integrated into Adobe Photoshop by plug-in, allowing users to generate backgrounds and other parts of images, and use layers and other Photoshop tools to operate in applications.

Cantrell, the developer of the plug-in, said, "I want to meet these creative professionals, so that they can introduce artificial intelligence into their creative work, instead of destroying their work."

It is understood that Cantrell has worked for Adobe for 20 years. After leaving in 2022, Cantrell focused on the direction of generative AI. Cantrell said that Stable Diffusion has been downloaded tens of thousands of times, and artists told him that they used this plug-in in many unexpected places, such as making Godzilla animation or creating pictures of Spider-Man.

Start-up companies get together

Some investors regard generative AI as a potentially transformative change, just like the early development of smart phones or the Internet. This kind of transformation has greatly expanded the potential market of this technology.

"Before that, artificial intelligence was not unprecedented. Before 2007, we were not without mobile devices, "said Beisel, a seed investor." But at this moment, everything came together. The final consumer can experience and see something different from before. "

Cantrell believes that machine learning is similar to a more basic technology: database. "Machine learning is a bit like a database, which opens up a whole new world for network applications. All the applications we have used in our life are built on the database. But no one cares about how the database works. People only know how to use it. "

Michael Dempsey, managing partner of Compound VC, said that in the past, it was "very rare" for laboratory technology to enter the mainstream, but at present, generative AI has attracted wide attention of venture capitalists. Nevertheless, he warned that the current generative AI may be in the "curious stage" near the peak of the hype cycle, and the companies established at this stage may fail because they don’t focus on the specific uses that enterprises or consumers are willing to pay for.

Others in the industry believe that startups that can apply new technologies such as generative AI today may challenge technology giants such as Google, Meta and Microsoft in the future.

At present, many companies applying generative AI technology have already received large amount of financing, and their valuations have also risen. For example, earlier this year, Hugging Face was valued at $2 billion after receiving investments including Lux Capital and Sequoia Capital; OpenAI has also received more than $1 billion from Microsoft and Khosla Ventures.

In addition, according to Forbes, Stability AI, the developer of Stable Diffusion, is negotiating with investment institutions to raise up to $1 billion in venture capital.

Cloud vendors and chip vendors will benefit.

Besides start-ups, cloud service providers such as Amazon, Microsoft and Google can also benefit from it, because generative AI may require a huge amount of computation.

Meta and Google have also taken action and started recruiting talents. In September of this year, Meta released an artificial intelligence application called "Make-A-Video", which can generate videos, which makes the generative AI technology a step further.

"This is a great progress," Zuckerberg, CEO of Meta, posted on his Facebook page. "It is much more difficult to generate videos than photos, because besides correctly generating each pixel, the system must also predict how they will change over time."

Recently, Google matched with Meta and released a program code called Phenaki, which can also convert text into video and generate several minutes of footage.

This craze may also boost chip manufacturers such as Nvidia, AMD and Intel, because the advanced graphics processors produced by these companies are ideal for training and deploying artificial intelligence models.

At a recent meeting, Huang Renxun, CEO of Nvidia, emphasized that generative AI is the key use of the company’s latest chip, and he said that this kind of program may "revolutionize communication" soon.

At present, there are not many uses of generative AI that can generate commercial benefits. Many exciting breakthroughs today come from free or low-cost experiments. For example, some writers have tried to use image generator to generate images for articles. An example of Nvidia is to use a model to generate new 3D images, including people, animals, vehicles or furniture, which can be filled into the virtual game world.

Ethical issues can not be ignored.

While generating AI excites the industry, the ethical issues it brings are also worthy of attention.

The first is employment. Compared with professional illustrators, generative AI is obviously cheaper. Therefore, generative AI is likely to rob artists, video producers and other people engaged in creative work of their "rice bowls".

In addition, there are complex problems in originality and ownership of the content created by generative AI.

Generated AI is trained on a large number of images. Therefore, it is still controversial whether the creator of the original image has copyright requirements for the generated new image.

Some time ago, an artist won an art competition in Colorado, and his winning image was created by a generative AI named MidJourney. After winning, the artist said in an interview that he selected one image from hundreds of images generated by himself and post-processed it in Photoshop.

It is worth mentioning that some images generated by Stable Diffusion are watermarked, which indicates that some of the original data sets are copyrighted. Previously, Getty Images (a picture trading company based in Seattle, USA) announced that it was forbidden for users to upload generated AI pictures to its picture library, because the company was worried that there might be some copyright problems in such pictures. .

With the improvement of image generation software, generative AI may also deceive users, make them believe false information, or display images or videos of events that never happened.

In addition, developers must also deal with the possibility that models trained on a large amount of data may have biases related to gender, race or culture contained in the data, which may cause the models to show such biases in their outputs.

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Source: AI Frontline, author: Kif Leswing. If there is any infringement, please contact to delete it.

AGV handling robot-a new star of unmanned warehousing logistics in the future-wood ant robot

In recent years, with the promotion of market demand, AGV handling robot has gradually matured. The continuous maturity of Beidou navigation and the continuous development and application of artificial intelligence in China have greatly improved the efficiency of AGV handling robots, provided great conditions for saving manpower, and made AGV handling robots gradually become the choice for automation upgrading of major factories in various industries.

In today’s era, with the continuous development of world trade, transnational logistics and logistics in various industries can’t do without handling. With the wide application of the Internet, big data and artificial intelligence, intelligent automated unmanned AGV handling robots are constantly developing and innovating, which promotes the continuous upgrading of China’s logistics industry and reforms the current industrial form.

With the growing manufacturing industry in China, China has introduced new measures to promote the development of intelligent industrial robots through the cooperation of Industrial Revolution 4.0 and enterprises, in order to enhance the strength of the manufacturing industry and cultivate competitive advantages. Unmanned AGV handling robot is one of them.

The People’s Daily praised the national table tennis, but Sun Yingsha, who named the crown, did not mention Wang Manyu, see who is MVP

On November 30th, Beijing time, the World Table Tennis Championships had officially concluded. The final record of the National Table Tennis was to gain 4 gold medals and lost the men’s doubles championship.

Although there were no 5 gold medals, the results of Guoping are still very good, and it has also received praise from the official social media of the People’s Daily. However, Wang Manyu and Fan Zhendong, who played the best winner this time, did not be named. The only one who was named was Sun Yingsha who had lost the women’s singles championship. It turned out that she was the MVP of this year’s national table tennis, although she Did not win the most gold -content award.

《人民日报》亲自开口谈到了国乒这次的情况,并且晒出了九宫格图片,九宫格当中也是有国乒本次出征的大部分主力选手,包括孙颖莎,王曼昱,樊振东,梁靖崑,以及王楚钦和Lin Gaoyuan, Chen Meng and Wang Yidi and others.

They also accompanied: "The Houston World Table Tennis Championships ended in 2021, and the Chinese team ended with four gold results." Then he specifically designed Sun Yingsha: "Sun Yingsha World Table Tennis Championship harvested 2 gold and 1 silver. Each point is every point. Not easy, every player is good, hard, Chinese table tennis, pride for you! "

They recognized Sun Yingsha’s series of contributions, so they mentioned that Sun Yingsha’s two gold and one silver alone, which shows that Sun Yingsha is the real MVP. Wang Manyu did win, and completed the double championship and won the championship of the women’s singles and women’s doubles, but her performance was not as good as Sun Yingsha. Although Sun Yingsha said that the women’s singles won the runner -up, she was in the mixed doubles and her All the women’s double -line operations won the gold medal, and even Sun Yingsha was a third -line operation.

One day before the start of the final, Sun Yingsha even played 4 games in one day, a mixed doubles semi -final and a mixed doubles final, and there were two semi -finals of women’s singles and women’s doubles. Playing 4 games a day and remained full of victory. More importantly, Sun Yingsha defeated the Japanese team’s five giants Zhang Benzhi, Ito Makoto, Hayawa Miyu, Ishikawa Jiachun.

She defeated Hirano Miyu and Ishikawa Jiachun in the 1/4 finals of the Women’s Doubles, and defeated Ito Makoto and Haya Hina in the women’s doubles finals. Facing the Japanese five giants, people played 9 wins and 2 losses. The third -tier operations were better than Wang Manyu. She was the real MVP. Sun Yingsha.

What’s more?

Wang Manyu has only two gold medals, and the mixed doubles competition will go out early, but Sun Yingsha is 2 gold and 1 silver, so the "People’s Daily" will specifically recognize her. She is the real MVP. Only she has received such treatment. Liu Guoliang recognizes her. Normally, this is the treatment of the next Grand Slam and the National Table Tennis Demon King.

This may also be why Liu Guoliang and Li Yan will personally serve as Sun Yingsha’s coaches during this World Table Tennis Championships, find a problem for her, and give her a guest to feed her the ball. On the one hand, it is indeed because Sun Yingsha has no supervisor in charge, and on the other hand, it may be because Sun Yingsha has always been Liu Guoliang’s favorite first love general.