{"id":33239,"date":"2025-07-23T08:33:19","date_gmt":"2025-07-23T00:33:19","guid":{"rendered":"https:\/\/www.kdjingpai.com\/?p=33239"},"modified":"2025-07-23T08:33:19","modified_gmt":"2025-07-23T00:33:19","slug":"nubank-ruheliyonga","status":"publish","type":"post","link":"https:\/\/www.kdjingpai.com\/en\/nubank-ruheliyonga\/","title":{"rendered":"Nubank \u5982\u4f55\u5229\u7528\u57fa\u7840\u6a21\u578b\u5206\u6790\u4e00\u4ebf\u7528\u6237\u7684\u4ea4\u6613\u6570\u636e"},"content":{"rendered":"

\u7406\u89e3\u5927\u89c4\u6a21\u7528\u6237\u7684\u6d88\u8d39\u884c\u4e3a\uff0c\u662f\u73b0\u4ee3\u91d1\u878d\u673a\u6784\u9762\u4e34\u7684\u6838\u5fc3\u6311\u6218\u3002\u5f53\u6570\u767e\u4e07\u7528\u6237\u4ea7\u751f\u6570\u5341\u4ebf\u7b14\u4ea4\u6613\u65f6\uff0c\u89e3\u8bfb\u8fd9\u4e9b\u6570\u636e\u7684\u80fd\u529b\u76f4\u63a5\u5173\u7cfb\u5230\u4ea7\u54c1\u63a8\u8350\u3001\u6b3a\u8bc8\u68c0\u6d4b\u3001\u98ce\u9669\u8bc4\u4f30\u548c\u7528\u6237\u4f53\u9a8c\u7684\u6210\u8d25\u3002<\/p>\n

\u8fc7\u53bb\uff0c\u91d1\u878d\u4e1a\u4f9d\u8d56\u4e8e\u57fa\u4e8e\u8868\u683c\u6570\u636e\u7684\u4f20\u7edf\u673a\u5668\u5b66\u4e60\u65b9\u6cd5\u3002\u5728\u8fd9\u79cd\u6a21\u5f0f\u4e0b\uff0c\u5de5\u7a0b\u5e08\u9700\u8981\u624b\u52a8\u5c06\u539f\u59cb\u4ea4\u6613\u6570\u636e\u8f6c\u6362\u4e3a\u7ed3\u6784\u5316\u7684\u201c\u7279\u5f81\u201d\uff0c\u4f8b\u5982\u6536\u5165\u6c34\u5e73\u3001\u6d88\u8d39\u7c7b\u522b\u6216\u4ea4\u6613\u6b21\u6570\uff0c\u7136\u540e\u5c06\u8fd9\u4e9b\u7279\u5f81\u8f93\u5165\u9884\u6d4b\u6a21\u578b\u3002\u8fd9\u79cd\u65b9\u6cd5\u867d\u7136\u6709\u6548\uff0c\u4f46\u6709\u4e24\u4e2a\u81f4\u547d\u7f3a\u9677\uff1a\u7b2c\u4e00\uff0c\u624b\u52a8\u6784\u5efa\u7279\u5f81\u8017\u65f6\u4e14\u8106\u5f31\uff0c\u9ad8\u5ea6\u4f9d\u8d56\u9886\u57df\u4e13\u5bb6\u7684\u7ecf\u9a8c\uff1b\u7b2c\u4e8c\uff0c\u901a\u7528\u6027\u5dee\uff0c\u4e3a\u4fe1\u8d37\u98ce\u63a7\u8bbe\u8ba1\u7684\u7279\u5f81\u5f88\u96be\u7528\u4e8e\u6b3a\u8bc8\u68c0\u6d4b\uff0c\u5bfc\u81f4\u4e0d\u540c\u56e2\u961f\u91cd\u590d\u52b3\u52a8\u3002<\/p>\n

\u4e3a\u4e86\u7a81\u7834\u8fd9\u4e9b\u9650\u5236\uff0cNubank<\/code>\u00a0\u8f6c\u5411\u4e86\u4e00\u79cd\u6b63\u5728\u53d8\u9769\u81ea\u7136\u8bed\u8a00\u5904\u7406\u548c\u8ba1\u7b97\u673a\u89c6\u89c9\u9886\u57df\u7684\u6280\u672f\uff1a\u57fa\u7840\u6a21\u578b\uff08Foundation Model\uff09\u3002\u4e0e\u4f9d\u8d56\u4eba\u5de5\u7279\u5f81\u4e0d\u540c\uff0c\u57fa\u7840\u6a21\u578b\u901a\u8fc7\u81ea\u76d1\u7763\u5b66\u4e60\u7684\u65b9\u5f0f\uff0c\u76f4\u63a5\u4ece\u6d77\u91cf\u539f\u59cb\u4ea4\u6613\u6570\u636e\u4e2d\u81ea\u52a8\u5b66\u4e60\u901a\u7528\u7684\u201c\u5d4c\u5165\u8868\u793a\u201d\uff08Embeddings\uff09\u3002\u8fd9\u4e9b\u5d4c\u5165\u8868\u793a\u80fd\u591f\u4ee5\u4e00\u79cd\u7d27\u51d1\u800c\u5bcc\u6709\u8868\u73b0\u529b\u7684\u65b9\u5f0f\uff0c\u6355\u6349\u7528\u6237\u884c\u4e3a\u7684\u6df1\u5c42\u6a21\u5f0f\u3002<\/p>\n

Nubank<\/code>\u00a0\u7684\u76ee\u6807\u662f\u5904\u7406\u6570\u4e07\u4ebf\u7b14\u4ea4\u6613\uff0c\u63d0\u53d6\u51fa\u80fd\u591f\u8d4b\u80fd\u4fe1\u8d37\u5efa\u6a21\u3001\u4e2a\u6027\u5316\u63a8\u8350\u3001\u5f02\u5e38\u68c0\u6d4b\u7b49\u591a\u79cd\u4e0b\u6e38\u4efb\u52a1\u7684\u901a\u7528\u7528\u6237\u8868\u793a\u3002\u901a\u8fc7\u8fd9\u79cd\u65b9\u5f0f\uff0c\u4ed6\u4eec\u5e0c\u671b\u7edf\u4e00\u5efa\u6a21\u6807\u51c6\uff0c\u51cf\u5c11\u91cd\u590d\u7684\u7279\u5f81\u5de5\u7a0b\uff0c\u5e76\u5168\u9762\u63d0\u5347\u9884\u6d4b\u6027\u80fd\u3002<\/p>\n

\u672c\u6587\u5c06\u6df1\u5165\u63a2\u8ba8\u00a0Nubank<\/code>\u00a0\u7528\u4e8e\u6784\u5efa\u548c\u90e8\u7f72\u8fd9\u4e9b\u57fa\u7840\u6a21\u578b\u7684\u6280\u672f\u4f53\u7cfb\uff0c\u8ffd\u8e2a\u4ece\u6570\u636e\u8868\u793a\u3001\u6a21\u578b\u67b6\u6784\u5230\u9884\u8bad\u7ec3\u3001\u5fae\u8c03\uff0c\u518d\u5230\u4e0e\u4f20\u7edf\u8868\u683c\u7cfb\u7edf\u878d\u5408\u7684\u5b8c\u6574\u751f\u547d\u5468\u671f\u3002<\/p>\n

\"Nubank<\/p>\n

Nubank \u7684\u6574\u4f53\u7cfb\u7edf\u67b6\u6784<\/h2>\n

Nubank<\/code>\u00a0\u7684\u57fa\u7840\u6a21\u578b\u7cfb\u7edf\u65e8\u5728\u4ece\u6d77\u91cf\u91d1\u878d\u6570\u636e\u4e2d\u63d0\u53d6\u901a\u7528\u7684\u7528\u6237\u8868\u793a\uff0c\u8fd9\u4e9b\u88ab\u79f0\u4e3a\u201c\u5d4c\u5165\u201d\u7684\u8868\u793a\u540e\u7eed\u5c06\u88ab\u5e7f\u6cdb\u5e94\u7528\u4e8e\u4fe1\u8d37\u8bc4\u5206\u3001\u4ea7\u54c1\u63a8\u8350\u548c\u6b3a\u8bc8\u68c0\u6d4b\u7b49\u4e1a\u52a1\u573a\u666f\u3002\u6574\u4e2a\u67b6\u6784\u4ee5\u00a0Transformer<\/a><\/code>\u00a0\u6a21\u578b\u4e3a\u6838\u5fc3\uff0c\u5206\u4e3a\u51e0\u4e2a\u5173\u952e\u9636\u6bb5\u3002<\/p>\n

1 – \u4ea4\u6613\u6570\u636e\u6444\u53d6<\/h3>\n

\u7cfb\u7edf\u7684\u8d77\u70b9\u662f\u6536\u96c6\u6bcf\u4f4d\u5ba2\u6237\u7684\u539f\u59cb\u4ea4\u6613\u6570\u636e\uff0c\u5305\u62ec\u4ea4\u6613\u91d1\u989d\u3001\u65f6\u95f4\u6233\u548c\u5546\u6237\u63cf\u8ff0\u7b49\u4fe1\u606f\u3002\u6570\u636e\u91cf\u662f\u5de8\u5927\u7684\uff0c\u8986\u76d6\u4e86\u8d85\u8fc7\u4e00\u4ebf\u7528\u6237\u7684\u6570\u4e07\u4ebf\u7b14\u4ea4\u6613\u3002\u6bcf\u4e2a\u7528\u6237\u90fd\u6709\u4e00\u6761\u6309\u65f6\u95f4\u6392\u5e8f\u7684\u4ea4\u6613\u5e8f\u5217\uff0c\u8fd9\u5bf9\u4e8e\u6a21\u578b\u7406\u89e3\u7528\u6237\u6d88\u8d39\u884c\u4e3a\u7684\u6f14\u53d8\u81f3\u5173\u91cd\u8981\u3002<\/p>\n

\"Nubank<\/p>\n

2 – \u5d4c\u5165\u63a5\u53e3<\/h3>\n

\u539f\u59cb\u4ea4\u6613\u6570\u636e\u9700\u8981\u88ab\u8f6c\u6362\u6210\u00a0Transformer<\/code>\u00a0\u6a21\u578b\u80fd\u7406\u89e3\u7684\u683c\u5f0f\u3002Nubank<\/code>\u00a0\u91c7\u7528\u4e86\u4e00\u79cd\u6df7\u5408\u7f16\u7801\u7b56\u7565\uff0c\u5c06\u6bcf\u7b14\u4ea4\u6613\u89c6\u4e3a\u4e00\u4e2a\u7ed3\u6784\u5316\u7684\u4ee4\u724c\uff08Token\uff09\u5e8f\u5217\u3002<\/p>\n

\u6bcf\u7b14\u4ea4\u6613\u88ab\u5206\u89e3\u4e3a\u51e0\u4e2a\u5173\u952e\u5143\u7d20\uff1a<\/p>\n

    \n
  • \u91d1\u989d\u7b26\u53f7<\/strong>\uff1a\u7528\u4e00\u4e2a\u5206\u7c7b\u4ee4\u724c\u8868\u793a\u4ea4\u6613\u662f\u6b63\u5411\uff08\u5982\u5b58\u6b3e\uff09\u8fd8\u662f\u8d1f\u5411\uff08\u5982\u6d88\u8d39\uff09\u3002<\/li>\n
  • \u91d1\u989d\u5206\u7bb1<\/strong>\uff1a\u5c06\u4ea4\u6613\u91d1\u989d\u8fdb\u884c\u91cf\u5316\u5904\u7406\uff0c\u5212\u5206\u5230\u9884\u8bbe\u7684\u201c\u7bb1\u5b50\u201d\u91cc\uff0c\u4ee5\u964d\u4f4e\u6570\u503c\u7684\u65b9\u5dee\u3002<\/li>\n
  • \u65e5\u671f\u4ee4\u724c<\/strong>\uff1a\u6708\u4efd\u3001\u661f\u671f\u51e0\u548c\u51e0\u53f7\u7b49\u65e5\u671f\u4fe1\u606f\u4e5f\u5206\u522b\u8f6c\u6362\u4e3a\u72ec\u7acb\u7684\u4ee4\u724c\u3002<\/li>\n
  • \u5546\u6237\u63cf\u8ff0<\/strong>\uff1a\u4f7f\u7528\u6807\u51c6\u7684\u6587\u672c\u5206\u8bcd\u5668\uff08\u5982\u00a0Byte Pair Encoding<\/code>\uff09\u5c06\u5546\u6237\u540d\u79f0\u5207\u5206\u4e3a\u591a\u4e2a\u5b50\u8bcd\u4ee4\u724c\u3002<\/li>\n<\/ul>\n

    \"Nubank<\/p>\n

    \u8fd9\u79cd\u4ee4\u724c\u5316\u5e8f\u5217\u65e2\u4fdd\u7559\u4e86\u539f\u59cb\u6570\u636e\u7684\u7ed3\u6784\u548c\u8bed\u4e49\uff0c\u53c8\u4fdd\u6301\u4e86\u8f93\u5165\u5e8f\u5217\u7684\u7d27\u51d1\u6027\u3002\u8fd9\u4e00\u70b9\u975e\u5e38\u91cd\u8981\uff0c\u56e0\u4e3a\u00a0Transformer<\/code>\u00a0\u4e2d\u6ce8\u610f\u529b\u673a\u5236\u7684\u8ba1\u7b97\u6210\u672c\u4e0e\u8f93\u5165\u957f\u5ea6\u7684\u5e73\u65b9\u6210\u6b63\u6bd4\u3002<\/p>\n

    3 – Transformer \u9aa8\u5e72\u7f51\u7edc<\/h3>\n

    \u4ee4\u724c\u5316\u7684\u4ea4\u6613\u5e8f\u5217\u88ab\u9001\u5165\u00a0Transformer<\/code>\u00a0\u6a21\u578b\u3002Nubank<\/code>\u00a0\u5c1d\u8bd5\u4e86\u591a\u79cd\u00a0Transformer<\/code>\u00a0\u53d8\u4f53\u4ee5\u4f18\u5316\u6027\u80fd\u3002\u8fd9\u4e9b\u6a21\u578b\u901a\u8fc7\u81ea\u76d1\u7763\u5b66\u4e60\u7684\u65b9\u5f0f\u8fdb\u884c\u8bad\u7ec3\uff0c\u65e0\u9700\u4efb\u4f55\u4eba\u5de5\u6807\u6ce8\u7684\u6570\u636e\u3002\u5b83\u4eec\u4e3b\u8981\u89e3\u51b3\u4e24\u7c7b\u4efb\u52a1\uff1a<\/p>\n

      \n
    • \u63a9\u7801\u8bed\u8a00\u5efa\u6a21 (MLM)<\/strong>\uff1a\u9690\u85cf\u4ea4\u6613\u5e8f\u5217\u4e2d\u7684\u4e00\u90e8\u5206\u4ee4\u724c\uff0c\u8ba9\u6a21\u578b\u9884\u6d4b\u88ab\u9690\u85cf\u7684\u5185\u5bb9\u3002<\/li>\n
    • \u4e0b\u4e00\u4ee4\u724c\u9884\u6d4b (NTP)<\/strong>\uff1a\u8ba9\u6a21\u578b\u5b66\u4e60\u9884\u6d4b\u5e8f\u5217\u4e2d\u7684\u4e0b\u4e00\u4e2a\u4ee4\u724c\u3002<\/li>\n<\/ul>\n

      \"Nubank<\/p>\n

      Transformer<\/code>\u00a0\u7684\u8f93\u51fa\u662f\u4e00\u4e2a\u56fa\u5b9a\u957f\u5ea6\u7684\u7528\u6237\u5d4c\u5165\uff0c\u901a\u5e38\u53d6\u81ea\u6700\u540e\u4e00\u4e2a\u4ee4\u724c\u7684\u9690\u85cf\u72b6\u6001\u3002<\/p>\n

      4 – \u81ea\u76d1\u7763\u8bad\u7ec3<\/h3>\n

      \u6a21\u578b\u5728\u6d77\u91cf\u7684\u3001\u672a\u6807\u8bb0\u7684\u4ea4\u6613\u6570\u636e\u4e0a\u8fdb\u884c\u8bad\u7ec3\u3002\u7531\u4e8e\u4e0d\u9700\u8981\u4eba\u5de5\u6807\u6ce8\uff0c\u7cfb\u7edf\u53ef\u4ee5\u5229\u7528\u6bcf\u4e2a\u7528\u6237\u7684\u5168\u90e8\u4ea4\u6613\u5386\u53f2\u3002\u901a\u8fc7\u4e0d\u65ad\u9884\u6d4b\u7528\u6237\u4ea4\u6613\u5e8f\u5217\u4e2d\u7f3a\u5931\u6216\u672a\u6765\u7684\u90e8\u5206\uff0c\u6a21\u578b\u81ea\u4e3b\u5b66\u4e60\u5230\u4e86\u6709\u4ef7\u503c\u7684\u91d1\u878d\u884c\u4e3a\u6a21\u5f0f\uff0c\u5982\u6d88\u8d39\u5468\u671f\u3001\u5468\u671f\u6027\u4ed8\u6b3e\u548c\u5f02\u5e38\u4ea4\u6613\u3002\u4e00\u4e2a\u7b80\u5316\u7684\u4f8b\u5b50\u662f\uff0c\u6a21\u578b\u770b\u5230\u201c\u5496\u5561\u3001\u5348\u9910\u3001\u7136\u540e\u2026\u201d\uff0c\u5b83\u4f1a\u5c1d\u8bd5\u731c\u6d4b\u4e0b\u4e00\u4e2a\u662f\u201c\u665a\u9910\u201d\u3002<\/p>\n

      \u8bad\u7ec3\u6570\u636e\u548c\u6a21\u578b\u53c2\u6570\u7684\u89c4\u6a21\u81f3\u5173\u91cd\u8981\u3002\u968f\u7740\u6a21\u578b\u89c4\u6a21\u548c\u4e0a\u4e0b\u6587\u7a97\u53e3\u7684\u589e\u52a0\uff0c\u6027\u80fd\u663e\u8457\u63d0\u5347\u3002\u4f8b\u5982\uff0c\u4ece\u4e00\u4e2a\u57fa\u7840\u7684 MLM \u6a21\u578b\u5207\u6362\u5230\u4e00\u4e2a\u62e5\u6709\u4f18\u5316\u6ce8\u610f\u529b\u5c42\u7684\u5927\u578b\u56e0\u679c\u00a0Transformer<\/code>\u00a0\u6a21\u578b\uff0c\u4e0b\u6e38\u4efb\u52a1\u7684\u6027\u80fd\u63d0\u5347\u8d85\u8fc7\u4e867\u4e2a\u767e\u5206\u70b9\u3002<\/p>\n

      5 – \u4e0b\u6e38\u5fae\u8c03\u4e0e\u878d\u5408<\/h3>\n

      \u57fa\u7840\u6a21\u578b\u9884\u8bad\u7ec3\u5b8c\u6210\u540e\uff0c\u53ef\u4ee5\u9488\u5bf9\u7279\u5b9a\u4efb\u52a1\u8fdb\u884c\u5fae\u8c03\u3002\u8fd9\u901a\u5e38\u662f\u5728\u00a0Transformer<\/code>\u00a0\u9876\u90e8\u6dfb\u52a0\u4e00\u4e2a\u9884\u6d4b\u5934\uff0c\u5e76\u4f7f\u7528\u5e26\u6807\u7b7e\u7684\u6570\u636e\u8fdb\u884c\u8bad\u7ec3\u3002\u4f8b\u5982\uff0c\u5728\u4fe1\u8d37\u8fdd\u7ea6\u9884\u6d4b\u4efb\u52a1\u4e2d\uff0c\u4f1a\u4f7f\u7528\u5df2\u77e5\u7684\u8fdd\u7ea6\u6807\u7b7e\u6765\u5fae\u8c03\u6a21\u578b\u3002<\/p>\n

      \u4e3a\u4e86\u4e0e\u73b0\u6709\u7cfb\u7edf\u96c6\u6210\uff0cNubank<\/code>\u00a0\u5c06\u6a21\u578b\u751f\u6210\u7684\u7528\u6237\u5d4c\u5165\u4e0e\u624b\u52a8\u5de5\u7a0b\u5316\u7684\u8868\u683c\u7279\u5f81\u8fdb\u884c\u7ed3\u5408\u3002\u8fd9\u79cd\u878d\u5408\u901a\u8fc7\u4e24\u79cd\u65b9\u5f0f\u5b9e\u73b0\uff1a<\/p>\n

        \n
      • \u540e\u671f\u878d\u5408 (Late Fusion)<\/strong>\uff1a\u4f7f\u7528\u00a0LightGBM<\/code>\u00a0\u7b49\u6a21\u578b\u6765\u7ed3\u5408\u5d4c\u5165\u548c\u8868\u683c\u6570\u636e\uff0c\u4f46\u4e24\u8005\u662f\u5206\u5f00\u8bad\u7ec3\u7684\u3002<\/li>\n
      • \u8054\u5408\u878d\u5408 (Joint Fusion)<\/strong>\uff1a\u4f7f\u7528\u6df1\u5ea6\u795e\u7ecf\u7f51\u7edc\uff08\u7279\u522b\u662f\u00a0DCNv2<\/code>\u00a0\u67b6\u6784\uff09\u5c06\u00a0Transformer<\/code>\u00a0\u548c\u8868\u683c\u6570\u636e\u6a21\u578b\u653e\u5728\u4e00\u4e2a\u7aef\u5230\u7aef\u7684\u7cfb\u7edf\u4e2d\u5171\u540c\u8bad\u7ec3\u3002<\/li>\n<\/ul>\n

        6 – \u96c6\u4e2d\u5f0f\u6a21\u578b\u5e93<\/h3>\n

        \u4e3a\u4e86\u8ba9\u6574\u4e2a\u67b6\u6784\u5728\u516c\u53f8\u5185\u90e8\u53ef\u7528\uff0cNubank<\/code>\u00a0\u5efa\u7acb\u4e86\u4e00\u4e2a\u96c6\u4e2d\u5f0f\u7684\u4eba\u5de5\u667a\u80fd\u5e73\u53f0\u3002\u8be5\u5e73\u53f0\u5b58\u50a8\u9884\u8bad\u7ec3\u597d\u7684\u57fa\u7840\u6a21\u578b\uff0c\u5e76\u63d0\u4f9b\u6807\u51c6\u5316\u7684\u5fae\u8c03\u6d41\u7a0b\u3002\u5185\u90e8\u56e2\u961f\u53ef\u4ee5\u76f4\u63a5\u8bbf\u95ee\u8fd9\u4e9b\u6a21\u578b\uff0c\u7ed3\u5408\u81ea\u5df1\u7684\u4e1a\u52a1\u7279\u5f81\uff0c\u90e8\u7f72\u5fae\u8c03\u540e\u7684\u7248\u672c\uff0c\u800c\u65e0\u9700\u4ece\u5934\u5f00\u59cb\u8bad\u7ec3\u3002\u8fd9\u79cd\u96c6\u4e2d\u5316\u7ba1\u7406\u52a0\u901f\u4e86\u5f00\u53d1\u8fdb\u7a0b\uff0c\u51cf\u5c11\u4e86\u8d44\u6e90\u5197\u4f59\u3002<\/p>\n

        \u5c06\u4ea4\u6613\u6570\u636e\u8f6c\u6362\u4e3a\u6a21\u578b\u53ef\u8bfb\u7684\u5e8f\u5217<\/h2>\n

        \u4e3a\u00a0Transformer<\/code>\u00a0\u6a21\u578b\u51c6\u5907\u4ea4\u6613\u6570\u636e\u65f6\uff0c\u6709\u4e24\u4e2a\u4e3b\u8981\u6311\u6218\uff1a<\/p>\n

          \n
        • \u6df7\u5408\u6570\u636e\u7c7b\u578b<\/strong>\uff1a\u5355\u7b14\u4ea4\u6613\u5305\u542b\u7ed3\u6784\u5316\u5b57\u6bb5\uff08\u5982\u91d1\u989d\u548c\u65e5\u671f\uff09\u548c\u6587\u672c\u5b57\u6bb5\uff08\u5982\u5546\u6237\u540d\u79f0\uff09\uff0c\u96be\u4ee5\u7528\u7eaf\u6587\u672c\u6216\u7eaf\u7ed3\u6784\u5316\u7684\u65b9\u5f0f\u7edf\u4e00\u8868\u793a\u3002<\/li>\n
        • \u9ad8\u57fa\u6570\u548c\u51b7\u542f\u52a8\u95ee\u9898<\/strong>\uff1a\u4ea4\u6613\u7684\u591a\u6837\u6027\u6781\u9ad8\uff0c\u4e0d\u540c\u7684\u5546\u6237\u3001\u5730\u70b9\u6216\u91d1\u989d\u90fd\u4f1a\u4ea7\u751f\u65b0\u7684\u7ec4\u5408\u3002\u5982\u679c\u4e3a\u6bcf\u4e00\u79cd\u72ec\u7279\u4ea4\u6613\u90fd\u5206\u914d\u4e00\u4e2a\u72ec\u7acbID\uff0c\u8bcd\u8868\u4f1a\u53d8\u5f97\u5f02\u5e38\u5e9e\u5927\uff0c\u5bfc\u81f4\u6a21\u578b\u96be\u4ee5\u8bad\u7ec3\uff0c\u5e76\u4e14\u65e0\u6cd5\u5904\u7406\u8bad\u7ec3\u671f\u95f4\u672a\u89c1\u8fc7\u7684\u65b0\u4ea4\u6613\uff08\u5373\u51b7\u542f\u52a8\u95ee\u9898\uff09\u3002<\/li>\n<\/ul>\n

          \u4e3a\u4e86\u5e94\u5bf9\u8fd9\u4e9b\u6311\u6218\uff0cNubank<\/code>\u00a0\u63a2\u7d22\u4e86\u591a\u79cd\u5c06\u4ea4\u6613\u8f6c\u6362\u4e3a\u4ee4\u724c\u5e8f\u5217\u7684\u7b56\u7565\u3002<\/p>\n

          \u65b9\u6848\u4e00\uff1a\u57fa\u4e8eID\u7684\u8868\u793a<\/h3>\n

          \u8fd9\u79cd\u65b9\u6cd5\u4e3a\u6bcf\u79cd\u552f\u4e00\u7684\u4ea4\u6613\u5206\u914d\u4e00\u4e2a\u6570\u5b57ID\uff0c\u7c7b\u4f3c\u4e8e\u63a8\u8350\u7cfb\u7edf\u4e2d\u7684\u505a\u6cd5\u3002\u8fd9\u79cd\u65b9\u6cd5\u867d\u7136\u7b80\u5355\u9ad8\u6548\uff0c\u4f46\u7f3a\u70b9\u660e\u663e\uff1a\u552f\u4e00\u7684\u4ea4\u6613\u7ec4\u5408\u6570\u91cf\u592a\u5927\uff0cID\u7a7a\u95f4\u96be\u4ee5\u7ba1\u7406\uff1b\u540c\u65f6\uff0c\u6a21\u578b\u65e0\u6cd5\u5904\u7406\u672a\u89c1\u8fc7\u7684\u65b0\u4ea4\u6613\u3002<\/p>\n

          \u65b9\u6848\u4e8c\uff1a\u6587\u672c\u5c31\u662f\u4e00\u5207<\/h3>\n

          \u6b64\u65b9\u6cd5\u5c06\u6bcf\u7b14\u4ea4\u6613\u89c6\u4e3a\u4e00\u6bb5\u81ea\u7136\u8bed\u8a00\u6587\u672c\uff0c\u4f8b\u5982\u201cdescription=NETFLIX amount=32.40 date=2023-05-12\u201d\u3002\u8fd9\u79cd\u8868\u793a\u901a\u7528\u6027\u5f88\u5f3a\uff0c\u80fd\u5904\u7406\u4efb\u610f\u683c\u5f0f\u7684\u4ea4\u6613\u3002\u4f46\u5b83\u7684\u8ba1\u7b97\u6210\u672c\u6781\u9ad8\u3002\u5c06\u7ed3\u6784\u5316\u5b57\u6bb5\u8f6c\u6362\u4e3a\u957f\u6587\u672c\u5e8f\u5217\uff0c\u4f1a\u4ea7\u751f\u5927\u91cf\u4e0d\u5fc5\u8981\u7684\u4ee4\u724c\uff0c\u5bfc\u81f4\u00a0Transformer<\/code>\u00a0\u7684\u6ce8\u610f\u529b\u8ba1\u7b97\u6210\u672c\u6025\u5267\u4e0a\u5347\uff0c\u8bad\u7ec3\u901f\u5ea6\u53d8\u6162\u3002<\/p>\n

          \u65b9\u6848\u4e09\uff1a\u6df7\u5408\u7f16\u7801\u65b9\u6848\uff08Nubank \u7684\u9009\u62e9\uff09<\/h3>\n

          \u4e3a\u4e86\u5e73\u8861\u901a\u7528\u6027\u548c\u6548\u7387\uff0cNubank<\/code>\u00a0\u5f00\u53d1\u4e86\u4e00\u79cd\u6df7\u5408\u7f16\u7801\u7b56\u7565\u3002\u5b83\u5c06\u6bcf\u7b14\u4ea4\u6613\u5206\u89e3\u4e3a\u4e00\u7ec4\u7d27\u51d1\u7684\u79bb\u6563\u5b57\u6bb5\u4ee4\u724c\uff0c\u5305\u62ec\u91d1\u989d\u7b26\u53f7\u3001\u91d1\u989d\u5206\u7bb1\u3001\u65e5\u671f\u548c\u7ecf\u8fc7\u5b50\u8bcd\u5207\u5206\u7684\u5546\u6237\u63cf\u8ff0\u3002<\/p>\n

          \"Nubank<\/p>\n

          \u8fd9\u79cd\u6df7\u5408\u65b9\u6cd5\u4ee5\u7d27\u51d1\u7684\u683c\u5f0f\u4fdd\u7559\u4e86\u5173\u952e\u7684\u7ed3\u6784\u5316\u4fe1\u606f\uff0c\u540c\u65f6\u5177\u5907\u5904\u7406\u65b0\u8f93\u5165\u7684\u6cdb\u5316\u80fd\u529b\uff0c\u5e76\u6709\u6548\u63a7\u5236\u4e86\u8ba1\u7b97\u6210\u672c\u3002\u5f53\u6bcf\u7b14\u4ea4\u6613\u88ab\u8fd9\u6837\u4ee4\u724c\u5316\u540e\uff0c\u4e00\u4e2a\u7528\u6237\u7684\u5b8c\u6574\u4ea4\u6613\u5386\u53f2\u5c31\u53ef\u4ee5\u88ab\u62fc\u63a5\u6210\u4e00\u4e2a\u957f\u5e8f\u5217\uff0c\u7528\u4f5c\u00a0Transformer<\/code>\u00a0\u7684\u8f93\u5165\u3002<\/p>\n

          \"Nubank<\/p>\n

           <\/p>\n

          \u8bad\u7ec3\u57fa\u7840\u6a21\u578b<\/h2>\n

          Nubank<\/code>\u00a0\u7684\u5de5\u7a0b\u5e08\u4f7f\u7528\u81ea\u76d1\u7763\u5b66\u4e60\u6765\u8bad\u7ec3\u6a21\u578b\uff0c\u8fd9\u610f\u5473\u7740\u6a21\u578b\u76f4\u63a5\u4ece\u4ea4\u6613\u5e8f\u5217\u4e2d\u5b66\u4e60\uff0c\u65e0\u9700\u4efb\u4f55\u4eba\u5de5\u6807\u7b7e\u3002\u8fd9\u79cd\u65b9\u6cd5\u4f7f\u7cfb\u7edf\u80fd\u5145\u5206\u5229\u7528\u6570\u767e\u4e07\u7528\u6237\u7684\u6d77\u91cf\u5386\u53f2\u4ea4\u6613\u6570\u636e\u3002<\/p>\n

          \u4e3b\u8981\u4f7f\u7528\u4e24\u79cd\u8bad\u7ec3\u76ee\u6807\uff1a<\/p>\n

            \n
          • \u4e0b\u4e00\u4ee4\u724c\u9884\u6d4b (NTP)<\/strong>\uff1a\u6a21\u578b\u6839\u636e\u4e4b\u524d\u7684\u4ee4\u724c\u9884\u6d4b\u5e8f\u5217\u4e2d\u7684\u4e0b\u4e00\u4e2a\u4ee4\u724c\u3002\u8fd9\u5c31\u50cf\u8bed\u8a00\u6a21\u578b\u9884\u6d4b\u53e5\u5b50\u4e2d\u7684\u4e0b\u4e00\u4e2a\u5355\u8bcd\u4e00\u6837\uff0c\u6559\u4f1a\u6a21\u578b\u7406\u89e3\u4ea4\u6613\u884c\u4e3a\u7684\u6d41\u52a8\u548c\u7ed3\u6784\u3002<\/li>\n
          • \u63a9\u7801\u8bed\u8a00\u5efa\u6a21 (MLM)<\/strong>\uff1a\u968f\u673a\u9690\u85cf\u5e8f\u5217\u4e2d\u7684\u4e00\u4e9b\u4ee4\u724c\uff0c\u8bad\u7ec3\u6a21\u578b\u6765\u731c\u6d4b\u88ab\u201c\u906e\u76d6\u201d\u4f4f\u7684\u4ee4\u724c\u3002\u8fd9\u8feb\u4f7f\u6a21\u578b\u7406\u89e3\u4e0a\u4e0b\u6587\uff0c\u5b66\u4e60\u4ee4\u724c\u4e4b\u95f4\u7684\u6df1\u5c42\u5173\u7cfb\uff0c\u4f8b\u5982\u661f\u671f\u51e0\u4e0e\u6d88\u8d39\u7c7b\u578b\u3001\u6216\u5546\u6237\u540d\u79f0\u4e0e\u4ea4\u6613\u91d1\u989d\u4e4b\u95f4\u7684\u8054\u7cfb\u3002<\/li>\n<\/ul>\n

            \"Nubank<\/p>\n

            \u878d\u5408\u5e8f\u5217\u5d4c\u5165\u4e0e\u8868\u683c\u6570\u636e<\/h2>\n

            \u5c3d\u7ba1\u57fa\u4e8e\u4ea4\u6613\u5e8f\u5217\u7684\u57fa\u7840\u6a21\u578b\u80fd\u6355\u6349\u590d\u6742\u7684\u884c\u4e3a\u6a21\u5f0f\uff0c\u4f46\u8bb8\u591a\u91d1\u878d\u7cfb\u7edf\u4ecd\u7136\u4f9d\u8d56\u7ed3\u6784\u5316\u7684\u8868\u683c\u6570\u636e\uff0c\u4f8b\u5982\u6765\u81ea\u5f81\u4fe1\u673a\u6784\u6216\u7528\u6237\u4e2a\u4eba\u8d44\u6599\u7684\u4fe1\u606f\u3002\u4e3a\u4e86\u5145\u5206\u5229\u7528\u8fd9\u4e24\u79cd\u6570\u636e\u6e90\uff0c\u5fc5\u987b\u5c06\u5b83\u4eec\u6709\u6548\u878d\u5408\u3002<\/p>\n

            \"Nubank<\/p>\n

            \u540e\u671f\u878d\u5408\uff08\u57fa\u7ebf\u65b9\u6cd5\uff09<\/h3>\n

            \u5728\u540e\u671f\u878d\u5408\u4e2d\uff0c\u9884\u8bad\u7ec3\u57fa\u7840\u6a21\u578b\u4ea7\u751f\u7684\u201c\u51bb\u7ed3\u201d\u5d4c\u5165\u4e0e\u8868\u683c\u7279\u5f81\u76f8\u7ed3\u5408\uff0c\u7136\u540e\u8f93\u5165\u5230\u00a0LightGBM<\/code>\u00a0\u6216\u00a0XGBoost<\/code>\u00a0\u7b49\u4f20\u7edf\u673a\u5668\u5b66\u4e60\u6a21\u578b\u4e2d\u3002\u8fd9\u79cd\u65b9\u6cd5\u5b9e\u73b0\u7b80\u5355\uff0c\u4f46\u7531\u4e8e\u57fa\u7840\u6a21\u578b\u662f\u72ec\u7acb\u8bad\u7ec3\u7684\uff0c\u5176\u751f\u6210\u7684\u5d4c\u5165\u65e0\u6cd5\u5728\u8bad\u7ec3\u8fc7\u7a0b\u4e2d\u4e0e\u8868\u683c\u6570\u636e\u8fdb\u884c\u6709\u610f\u4e49\u7684\u4ea4\u4e92\uff0c\u9650\u5236\u4e86\u6574\u4f53\u6027\u80fd\u7684\u4e0a\u9650\u3002<\/p>\n

            \u8054\u5408\u878d\u5408\uff08\u63a8\u8350\u65b9\u6cd5\uff09<\/h3>\n

            \u4e3a\u4e86\u514b\u670d\u8fd9\u4e00\u9650\u5236\uff0cNubank<\/code>\u00a0\u5f00\u53d1\u4e86\u8054\u5408\u878d\u5408\u67b6\u6784\u3002\u8be5\u65b9\u6cd5\u5728\u4e00\u4e2a\u7aef\u5230\u7aef\u7684\u7cfb\u7edf\u4e2d\u540c\u65f6\u8bad\u7ec3\u00a0Transformer<\/code>\u00a0\u548c\u5904\u7406\u8868\u683c\u6570\u636e\u7684\u6a21\u578b\u3002\u8fd9\u6837\uff0c\u6a21\u578b\u53ef\u4ee5\u5b66\u4e60\u4ece\u4ea4\u6613\u5e8f\u5217\u4e2d\u63d0\u53d6\u80fd\u591f\u8865\u5145\u8868\u683c\u6570\u636e\u7684\u4fe1\u606f\uff0c\u4e24\u4e2a\u7ec4\u4ef6\u4e3a\u4e86\u540c\u4e00\u4e2a\u9884\u6d4b\u76ee\u6807\u800c\u534f\u540c\u4f18\u5316\u3002<\/p>\n

            Nubank<\/code>\u00a0\u9009\u62e9\u00a0DCNv2<\/code>\u00a0(Deep & Cross Network v2) \u67b6\u6784\u6765\u5904\u7406\u8868\u683c\u7279\u5f81\u3002DCNv2<\/code>\u00a0\u662f\u4e00\u79cd\u4e13\u95e8\u4e3a\u7ed3\u6784\u5316\u8f93\u5165\u8bbe\u8ba1\u7684\u6df1\u5ea6\u795e\u7ecf\u7f51\u7edc\uff0c\u5b83\u80fd\u6709\u6548\u5730\u6355\u6349\u7279\u5f81\u4e4b\u95f4\u7684\u4ea4\u53c9\u4e92\u52a8\u3002<\/p>\n

            \"Nubank<\/p>\n

            Nubank<\/code>\u00a0\u5229\u7528\u57fa\u7840\u6a21\u578b\u7684\u63a2\u7d22\uff0c\u4ee3\u8868\u4e86\u91d1\u878d\u673a\u6784\u7406\u89e3\u548c\u670d\u52a1\u5ba2\u6237\u65b9\u5f0f\u7684\u4e00\u6b21\u91cd\u5927\u98de\u8dc3\u3002\u901a\u8fc7\u6446\u8131\u624b\u52a8\u7279\u5f81\u5de5\u7a0b\uff0c\u8f6c\u800c\u62e5\u62b1\u57fa\u4e8e\u539f\u59cb\u4ea4\u6613\u6570\u636e\u7684\u81ea\u76d1\u7763\u5b66\u4e60\uff0cNubank<\/code>\u00a0\u6784\u5efa\u4e86\u4e00\u4e2a\u517c\u5177\u53ef\u6269\u5c55\u6027\u548c\u8868\u8fbe\u80fd\u529b\u7684\u5efa\u6a21\u7cfb\u7edf\u3002<\/p>\n

            \u8fd9\u4e00\u6210\u529f\u7684\u5173\u952e\u5728\u4e8e\u7cfb\u7edf\u5982\u4f55\u878d\u5165\u5176\u66f4\u5e7f\u6cdb\u7684\u4eba\u5de5\u667a\u80fd\u57fa\u7840\u8bbe\u65bd\u3002Nubank<\/code>\u00a0\u5e76\u672a\u7ed9\u6bcf\u4e2a\u573a\u666f\u6784\u5efa\u5b64\u7acb\u7684\u6a21\u578b\uff0c\u800c\u662f\u5f00\u53d1\u4e86\u4e00\u4e2a\u96c6\u4e2d\u5f0fAI\u5e73\u53f0\u3002\u5404\u56e2\u961f\u53ef\u4ee5\u6839\u636e\u9700\u6c42\u9009\u62e9\u4e24\u79cd\u6a21\u578b\uff1a\u4e00\u79cd\u662f\u4ec5\u4f7f\u7528\u4ea4\u6613\u5e8f\u5217\u5d4c\u5165\u7684\u6a21\u578b\uff0c\u53e6\u4e00\u79cd\u662f\u5229\u7528\u8054\u5408\u878d\u5408\u67b6\u6784\u5c06\u5d4c\u5165\u4e0e\u7ed3\u6784\u5316\u8868\u683c\u7279\u5f81\u76f8\u7ed3\u5408\u7684\u6df7\u5408\u6a21\u578b\u3002<\/p>\n

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