人工智能对金融业发展的影响研究

Research on the Influence of Artificial Intelligence on the Development of Financial Industry

随着智能互联网的快速发展,人工智能将对传统金融业产生巨大影响。人工智能与金融的结合将提供个性化金融服务,完善信用和风险评级体系,增强金融市场信息对称性,提升金融交易的便捷性、效率和安全性,促使经济资源配置效率提高。未来,金融业将朝着大众金融、普惠金融、消费型金融方向发展,为更多普通用户、长尾用户服务,在中国还有助于推动农村金融的发展。基于阐述智能金融应用途径和应用场景,分别从金融系统和金融市场主体的角度分析了人工智能对金融业的影响及可能出现的问题,并提出相应对策。研究有助于为金融业各方应对人工智能对金融业的冲击提供思路,促进人工智能与金融业更好地融合。

As the economy moves from offline to online, from mobile Internet to smart Internet, artificial intelligence also has an impact on the traditional financial industry. The combination of artificial intelligence and finance will provide personalized financial services, improve the credit and risk rating system, enhance the symmetry of financial market information, enhance the convenience, efficiency and security of financial transactions, and promote the efficiency of economic resource allocation. In the future, the financial industry will develop in the direction of mass finance ,inclusive finance, and consumer finance, serving more ordinary users and long -tail users, and will also help promote the development of rural finance in China. Based on the analysis of intelligent financial application channels and application scenarios, this paper analyzes the impact of artificial intelligence on the financial industry from five perspectives: financial market, commercial banks, non - bank financial institutions, financial regulatory agencies, and financial practitioners. Problems and propose corresponding countermeasures. The research will help to provide ideas for the financial sector to deal with the impact of artificial intelligence on the financial industry, and promote the better integration of artificial intelligence and financial industry.