基于居民视角的人工智能在金融行业的应用与建议

Research on the Application Status and Development Suggestions of Artificial Intelligence in the Financial Industry Based on the Residents’Perspective

近年来,人工智能在金融领域的应用场景不断革新,我国对于人工智能在金融领域的研究大多基于具体应用场景和技术本身,从居民需求的角度研究较少。从居民视角研究人工智能技术在金融行业的应用给居民日常金融活动交易场景带来的影响和其中存在的问题,首先对应用场景包括居民日常消费、储蓄以及投资理财等进行现状概述,接着从居民需求出发探讨这些应用存在的问题,最后为人工智能在金融行业的发展提出建议。

In recent years,the application scenarios of artificial intelligence in the financial field have continued to innovate.Most of the research on artificial intelligence in the financial field in my country is based on specific application scenarios and the technology itself,and there is less research from the perspective of residents’needs.The paper studies the impact and existing problems of the application of artificial intelligence technology in the financial industry on residents’daily financial activities transaction scenarios from the residents’perspective.First,the application scenarios include residents’daily consumption,savings,investment and financial management,etc.We need to discuss the problems of these applications,and finally make suggestions for the development of artificial intelligence in the financial industry.