基于全球专利信息的智能金融关键技术分析及其启示

Analysis of Key Technologies of Intelligent Finance Based on Global Patent Information and Its Enlightenment

人工智能技术推动了金融行业的变革,国内外竞争激烈。基于全球专利信息,对智能金融领域常用的五类关键技术,包括语音识别与自然语言处理、计算机视觉与生物特征识别、机器学习与神经网络、知识图谱和服务机器人等的全球专利申请趋势、重要专利权人、重点技术等情况进行国内外比较分析。研究发现:智能金融领域技术分类布局广泛,但基础专利不足,存在技术壁垒。中国智能金融领域专利申请量多,但企业竞争力薄弱,金融机构主要以购买服务和技术并购完成转型。因此建议中国智能金融领域基础研究与深度应用并行,在重点领域、优势领域提前开展布局专利,同时加强金融机构、科技企业、新型金融科技公司多方合作。

Financial industry has been promoted by the technology of artificial intelligence and become a highly competitive field at home and abroad. Based on global patent information, the global patenting trends, crucial patentee, key techniques of five major technologies in this field which include speech recognition and natural language processing, computer vision and biometric recognition, machine learning and neural network, knowledge map, and service robots are analyzed and compared between China and other countries. It is found that the technology classification layout is extensive but basic patents are still insufficient, and technical barriers exist in intelligent finance field. China has a large number of patent applications in the field of intelligent finance, but the competitiveness of enterprises is weak, financial institutions mainly through the purchase of services and technology mergers and acquisitions to complete the transformation. Therefore, the paper suggests that the basic research in the field of intelligent finance in China goes hand in hand with the deep application, that the layout patents should be carried out in the key areas and advantage areas ahead of time, and that the cooperation among financial institutions, science and technology enterprises and new financial science and technology companies should be strengthened at the same time.