Editor’s Note: In January 2025, Moody’s Corporation released two pivotal reports: The Rise of the Digital Colleague: Evaluating Companies with Moody’s AI Agents and Moody’s GenAI-Powered Research Assistant Drives Significant Efficiency Gains for Financial Services Industry. Together, these reports outline Moody’s dual framework for financial intelligence:  

        AI agent systems achieve "superlinear efficiency gains" in complex analytical scenarios by simulating human team collaboration paradigms;  

        GenAI reshapes practitioners’ capabilities through a "cognitive leverage" effect, liberating strategic decision-making from inefficient data processing constraints.  

        Moody’s research demonstrates that financial intelligence transcends mere tool upgrades—it represents a fundamental restructuring of cognitive frameworks and industry ecosystems. As humans and AI agents co-evolve through dynamic interplay, risk decision-making will transition from static rule repositories to real-time computational networks, while every credit assessment could trigger predictive "butterfly effects" across supply chains. This transformative process is redefining the future competitiveness of the financial sector. Key excerpts are summarized below for reference.  

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