# FinGAIA: A Chinese Benchmark for AI Agents in Real-World Financial Domain

arXiv: https://arxiv.org/abs/2507.17186 · HTML: https://mlsanity.com/paper/2507.17186/

## Key facts

- Cited by 9 papers in the map (data through 14 Oct 2026).
- Builds on 25 of its 44 references that are in the map.
- First posted on arXiv 23 Jul 2025.

## Builds on (most cited first, 25 of 25)

- [ReAct: Synergizing Reasoning and Acting in Language Models](https://mlsanity.com/paper/2210.03629/) (2022)
- [Direct Preference Optimization: Your Language Model is Secretly a Reward Model](https://mlsanity.com/paper/2305.18290/) (2023)
- [Toolformer: Language Models Can Teach Themselves to Use Tools](https://mlsanity.com/paper/2302.04761/) (2023)
- [SWE-bench: Can Language Models Resolve Real-World GitHub Issues?](https://mlsanity.com/paper/2310.06770/) (2023)
- [WebArena: A Realistic Web Environment for Building Autonomous Agents](https://mlsanity.com/paper/2307.13854/) (2023)
- [ToolLLM: Facilitating Large Language Models to Master 16000+ Real-world APIs](https://mlsanity.com/paper/2307.16789/) (2023)
- [τ-bench: A Benchmark for Tool-Agent-User Interaction in Real-World Domains](https://mlsanity.com/paper/2406.12045/) (2024)
- [WebShop: Towards Scalable Real-World Web Interaction with Grounded Language Agents](https://mlsanity.com/paper/2207.01206/) (2022)
- [HuggingGPT: Solving AI Tasks with ChatGPT and its Friends in Hugging Face](https://mlsanity.com/paper/2303.17580/) (2023)
- [GAIA: a benchmark for General AI Assistants](https://mlsanity.com/paper/2311.12983/) (2023)
- [CodeGen: An Open Large Language Model for Code with Multi-Turn Program Synthesis](https://mlsanity.com/paper/2203.13474/) (2022)
- [API-Bank: A Comprehensive Benchmark for Tool-Augmented LLMs](https://mlsanity.com/paper/2304.08244/) (2023)
- [FinQA: A Dataset of Numerical Reasoning over Financial Data](https://mlsanity.com/paper/2109.00122/) (2021)
- [Identifying the Risks of LM Agents with an LM-Emulated Sandbox](https://mlsanity.com/paper/2309.15817/) (2023)
- [AgentBoard: An Analytical Evaluation Board of Multi-turn LLM Agents](https://mlsanity.com/paper/2401.13178/) (2024)
- [PaperBench: Evaluating AI's Ability to Replicate AI Research](https://mlsanity.com/paper/2504.01848/) (2025)
- [ADaPT: As-Needed Decomposition and Planning with Language Models](https://mlsanity.com/paper/2311.05772/) (2023)
- [FinBERT: A Pretrained Language Model for Financial Communications](https://mlsanity.com/paper/2006.08097/) (2020)
- [xLAM: A Family of Large Action Models to Empower AI Agent Systems](https://mlsanity.com/paper/2409.03215/) (2024)
- [MetaAgents: Large Language Model Based Agents for Decision-Making on Teaming](https://mlsanity.com/paper/2310.06500/) (2023)
- [AgentLite: A Lightweight Library for Building and Advancing Task-Oriented LLM Agent System](https://mlsanity.com/paper/2402.15538/) (2024)
- [Open-FinLLMs: Open Multimodal Large Language Models for Financial Applications](https://mlsanity.com/paper/2408.11878/) (2024)
- [MCU: An Evaluation Framework for Open-Ended Game Agents](https://mlsanity.com/paper/2310.08367/) (2023)
- [Task Transfer by Preference-Based Cost Learning](https://mlsanity.com/paper/1805.04686/) (2018)
- [ToolScan: A Benchmark for Characterizing Errors in Tool-Use LLMs](https://mlsanity.com/paper/2411.13547/) (2024)

## Built on by (most cited first, 9 of 9)

- [A Survey of Agentic AI and Cybersecurity: Challenges, Opportunities and Use-case Prototypes](https://mlsanity.com/paper/2601.05293/) (2026)
- [Reinforcement Learning Foundations for Deep Research Systems: A Survey](https://mlsanity.com/paper/2509.06733/) (2025)
- [FinVault: Benchmarking Financial Agent Safety in Execution-Grounded Environments](https://mlsanity.com/paper/2601.07853/) (2026)
- [FinResearchBench II: A Deep Research Benchmark with Consensus-Derived Gold Rubrics for Distinguishing Financial Report Quality](https://mlsanity.com/paper/2607.12252/) (2026)
- [Can LLM Agents Be CFOs? Benchmarking Long-Horizon Resource Allocation in an Uncertain Enterprise Environment](https://mlsanity.com/paper/2603.23638/) (2026)
- [FrontierFinance: A Challenging Benchmark for Measuring Frontier Intelligence of Finance Agents](https://mlsanity.com/paper/2608.11683/) (2026)
- [Game-Theoretic Lens on LLM-based Multi-Agent Systems](https://mlsanity.com/paper/2601.15047/) (2026)
- [FinPersona-Bench: A Benchmark for Longitudinal Psychometric Stability of Autonomous Financial Agents](https://mlsanity.com/paper/2606.31522/) (2026)
- [BazaarBench: Delegation Safety in Decentralized C2C Marketplaces Run by LLM Agents](https://mlsanity.com/paper/2610.06748/) (2026)

## Abstract (arXiv)

The booming development of AI agents presents unprecedented opportunities for automating complex tasks across various domains. However, their multi-step, multi-tool collaboration capabilities in the financial sector remain underexplored. This paper introduces FinGAIA, an end-to-end benchmark designed to evaluate the practical abilities of AI agents in the financial domain. FinGAIA comprises 407 meticulously crafted tasks, spanning seven major financial sub-domains: securities, funds, banking, insurance, futures, trusts, and asset management. These tasks are organized into three hierarchical levels of scenario depth: basic business analysis, asset decision support, and strategic risk management. We evaluated 10 mainstream AI agents in a zero-shot setting. The best-performing agent, ChatGPT, achieved an overall accuracy of 48.9%, which, while superior to non-professionals, still lags financial experts by over 35 percentage points. Error analysis has revealed five recurring failure patterns: Cross-modal Alignment Deficiency, Financial Terminological Bias, Operational Process Awareness Barrier, among others. These patterns point to crucial directions for future research. Our work provides the first agent benchmark closely related to the financial domain, aiming to objectively assess and promote the development of agents in this crucial field. Partial data is available at https://github.com/SUFE-AIFLM-Lab/FinGAIA.