Model construction and intelligent reply method, equipment and medium

The invention discloses a model construction and intelligent reply method and device and a medium. The method comprises the following steps: respectively inputting each financial prompt sample into an initial language model and a target language model to obtain a corresponding first financial text sample and a corresponding second financial text sample; determining an actual deviation degree between the initial language model and the target language model based on the first financial text sample, the second financial text sample and a penalty factor; and performing iterative adjustment on the target language model based on the actual deviation degree and a second theoretical text quality evaluation value obtained by calculating the second financial text sample through the target reward model to obtain an updated target language model. The technical problem that in the prior art, the user satisfaction degree is greatly reduced due to the fact that the reply waiting time is too long is solved, the error rate of