arXiv:2607.18102cs.IRcs.CL2026-07

针对财报问答设计的多智能体框架,提升证据检索准确性。

FinSAgent: Corpus-Aligned Multi-Agent RAG Framework for Evidence-Grounded SEC Filing Question Answering

论文配图:FinSAgent: Corpus-Aligned Multi-Agent RAG Framework for Evidence-Grounded SEC Filing Question Answering
图 1 · 摘自论文原文
  • 按10-K文件结构分工的专用智能体,结合语料摘要生成查询。
  • 在5个基准上覆盖率达92.3%,答案正确率超基线7.6个百分点。
  • 适合金融合规、投资分析等需精准证据支持的场景。

美国证券交易委员会(SEC)文件中的财务问答需要从长篇、标准化且高度冗余的披露中检索并整合异构证据。现有检索增强和多智能体系统通常直接根据用户问题生成查询,并按语义相似度排序候选片段。这种做法导致模型先验与目标文件结构、术语和证据标准之间存在偏差,使查询生成遗漏特定语料的证据,而语义重排序则倾向于选择主题相关但证据无效的假阳性段落。我们提出FinSAgent,一种基于证据的多智能体框架,将财报问答重构为语料对齐的检索规划问题,并通过单一原则纠正两端缺陷:在模型先验主导处注入语料侧条件。FinSAgent结合三方面设计:(1)基于强制10-K项目结构的角色专用智能体;(2)数据库感知的查询分解,使每个智能体的子查询基于轻量级局部语料摘要进行条件化;(3)多路径检索与学习型特征门控重排序器,将证据有效性与语义相似性分离。在五个离线金融问答基准上,FinSAgent相比强基线显著提升检索覆盖率与答案正确率;在包含1000名匿名用户评分的三组随机在线实验中,其得分亦优于基线。

原文摘要 · Abstract (English)

Financial question answering over U.S. Securities and Exchange Commission (SEC) filings requires retrieving and synthesizing heterogeneous evidence dispersed across long, standardized, and highly redundant disclosures. Existing retrieval-augmented and multi-agent systems typically derive retrieval queries directly from the user's question and rank candidates by semantic similarity. Together, these choices create prior-corpus misalignment: a mismatch between model priors and the target filings' structure, terminology, and evidence standards. As a result, query generation misses corpus-specific evidence, while semantic reranking favors topically similar but evidentially invalid false-positive chunks. We propose FinSAgent, an evidence-grounded multi-agent framework that reframes SEC filing QA as corpus-aligned retrieval planning and corrects both ends with a single principle: inject corpus-side conditioning wherever model priors would otherwise dominate. FinSAgent combines (1) role-specialized agents anchored to the mandated 10-K item structure, (2) database-aware query decomposition that conditions each agent's sub-queries on a lightweight, summary-level view of the local corpus, and (3) multi-path retrieval with a learned feature-gated reranker that separates evidential validity from semantic similarity. Across five offline financial QA benchmarks, FinSAgent improves retrieval coverage and answer correctness over strong single-agent and multi-agent baselines; in a three-arm randomized online experiment with 1,000 anonymous user ratings, it also receives higher scores than baselines.

多智能体金融问答检索增强证据对齐

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