人工智能在金融理财中的应用研究——以京东JIMI为例

Research on the application of artificial intelligence in financial management: taking JD JIMI as an example

在人们生活水平不断提升下,可自由支配的资金不断增加,而多数人选择用空闲资金进行投资,以获取到更大的回报,但对于理财知识的了解程度明显不足,需要咨询的问题众多,传统金融理财业人工作业显然不能够满足海量理财用户的咨询需求,而人工智能应用到金融理财领域之后极大地转变了这一局面。文章以京东JIMI作为对象,对人工职能在金融理财领域的应用进行了探究。首先,对人工智能与京东JIMI以及金融理财的概念进行了阐述,将此作为后续讨论的基础;其次,以京东JIMI为例分析其在金融理财中的具体应用,包括理财前期指导、中期业务开展、用户信息安全等各个方面。

With people＇s living standards rising, discretionary capital is increasing, and most people choose to invest with free money to get a better return, but they are clearly not well informed of financial management. There are many problems to be consulted, the traditional financial industry manual work obviously can not meet the consulting needs of a large number of financial users, and the application of artificial intelligence in the field of financial management has greatly changed the situation. This article takes JD JIMI as the object, has carried on the exploration to the artificial function in the financial management domain application, firstly, carries on the elaboration to the artificial only and the Jing Dong JIMI as well as the financial management concept. Secondly, taking JD JIMI as an example to analyze its specific application in financial management, including financial pre-guidance, medium-term business development, user information security and other aspects.