Yiqing Wang

Yiqing Wang, Yixin Kang, Luyun Lin et al.

The release of SR 26-2 marks a significant modernization of U.S. model risk management by replacing SR 11-7 with a more risk-based and materiality-sensitive supervisory framework. However, generative and agentic AI are excluded, creating an important governance challenge for banking organizations and other financial institutions. Although generative AI may not directly estimate credit risk or make underwriting decisions, its outputs can materially affect the surrounding control environment through monitoring interpretation, policy analysis, or adverse-action language drafting. These uses may influence how regulated financial decisions are explained, challenged, documented, and governed. This paper proposes the Generative AI Control Framework (GAICF), an SR 26-2-compatible governance framework for generative AI-enabled financial workflows. The framework translates core model risk management principles into a layered control structure for generative AI applications that operate outside the formal model boundary but remain embedded within regulated banking processes. GAICF provides a practical approach for financial institutions seeking to align emerging generative AI governance practices with the risk-based supervisory expectations reflected in SR 26-2.

Xiao Liang, Jiali Feng, Xin Feng et al.

With the explosive growth of content platforms, recommendation systems need to better satisfy user demands to enhance user satisfaction and retention. Taking short-video platforms as an example, users not only seek high-quality content but also trusted authors. Although generative recommendation systems have achieved breakthroughs in recent years, existing methods primarily generate single-type recommendation content and typically employ the inefficient autoregressive paradigm to generate semantic IDs. In this paper, we propose an end-to-end heterogeneous generative recommendation architecture called HGenPush. First, we design a hybrid user behavior understanding module that integrates multi-scenario and multi-perspective behaviors to capture precise user interest. Then, we design a dual-branch heterogeneous generative recommendation module that integrates video recommendation and author recommendation within a unified framework. In addition, to improve generation efficiency, we design a lightweight multi-token prediction method that discards the autoregressive paradigm. Finally, we design a user consumption preference alignment module, which leverages user feedback as reward signals to guide the model toward generating higher-quality content, thereby enhancing user experience and engagement. Through these designs, HGenPush simultaneously fulfills users' demands for high-quality content and trusted authors. We have deployed HGenPush on the push notification system of Kuaishou, a large-scale short-video platform, achieving a significant 0.181% increase in daily active users.