Agricultural Bank Chairman Gu Shu: The definition and standard criteria for intelligent bodies have not yet been unified.

On June 18th, at the 2026 Lujiazui Forum "Plenary Session Six: Empowering Financial High-Quality Development through Technological Innovation", Gu Shu, Chairman and Executive Director of Agricultural Bank of China, said that intelligent entities are currently widely used in the financial industry, and everyone is actively exploring and laying out. But what exactly is an intelligent entity? The definition within the industry still needs further standardization and uniformity. For example, when various banks report their achievements in AI applications, they will mention how many intelligent entities they have developed, and the differences are huge: some banks claim to have developed hundreds, while others claim to have reached tens of thousands. In his view, this is mainly because the definition and standardization of intelligent entities are not yet unified. Gu Shu said that without standardized criteria for comparison, it is difficult to define what kind of application can be considered a mature intelligent entity. In this case, it is difficult to accurately assess the relative position of each institution in the industry, making it difficult to effectively learn from each other's strengths and promote the overall improvement of the industry in terms of intelligent entity applications. "Intelligent entities are essentially intermediaries, agents, or executors that truly make large models operate, and there are significant differences in the development process," Gu Shu suggested that when designing intelligent entities to replace human work, whether those relatively single-function, fixed business process intelligent entities can be standardized, the advantage is to avoid redundant development, achieve repeated calls, and focus more energy on developing intelligent entities with autonomous planning and decision-making capabilities, which will be more meaningful and efficient.