真正的分水岭，在于理解这个行业里存在两类截然不同的公司。一类是掌握企业核心交易记录与客户关系，迁移成本极高，AI Agent 要运作反而必须依赖它们；另一类提供的是人与系统之间的中间体验，而这恰恰是最容易被 Agent 穿透的地带。
The build-out to make AI adoption widespread will likely come with significant upfront costs. For countries that already deal with constrained public finances, AI’s capital costs could end up “sharpening the policy tradeoff between assuming higher near-term fiscal risk and delaying participation in AI-driven growth opportunities,” the analysts wrote.
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而在硬币的背面，邮储银行的资金“安全垫”、利润“蓄水池”——拨备覆盖率却在逐年变薄、缩小。，更多细节参见爱思助手下载最新版本
4. Which metrics should I be looking at?
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