生成式AI在金融行业应用的现状、挑战与建议

The Current Status, Challenges, and Recommendations for the Application of Generative AI in the Financial Industry

2022年末,以ChatGPT为代表的大语言模型技术横空出世,显著提升了人工智能认知力、推理力以及语言力。与此同时,金融行业也在逐步探索生成式AI在金融资讯、投顾、投研等领域的应用。目前,生成式AI应用于金融行业,在技术层面可控性、专业性以及安全性方面仍有待提升,行业层面也面临着算力、训练语料不足等制约。为了使生成式AI更有效地服务于金融行业,海内外市场机构积极探索知识增强、工具增强、数据增强等方式,不断改进生成式AI在金融行业应用的安全可靠性;监管机构亦开展治理规范和行业指引探索,为新技术应用保驾护航。人工智能作为引领新一轮科技革命和产业变革的技术,如何促进其在金融行业释放价值将成为国内外监管机构和市场主体关注的重点。建议通过建设规模化算力基础、行业数据集、开放多元的模型生态等举措支持生成式AI不断完善,从而推动金融业高质量数智化升级。

At the end of 2022,large language model technology,exemplified by ChatGPT,emerged dramatically,significantly enhancing artificial intelligence's cognitive,reasoning,and linguistic capabilities.Concurrently,the financial industry is gradually exploring the application of generative AI in areas such as financial information,investment advisory,and investment research.Currently,the application of generative AI in the financial industry still requires improvements in controllability,professionalism,and security at the technical level,and faces constraints such as insufficient computing power and training data at the industry level.To enable generative AI to serve the financial industry more effectively,domestic and international market institutions are actively exploring ways to enhance knowledge,tools,and data,continually improving the safety and reliability of generative AI applications in the financial sector.Regulatory agencies are also developing governance norms and industry guidelines to safeguard the application of new technologies.As artificial intelligence leads a new wave of technological revolution and industrial transformation,how to promote its value in the financial industry will become a focal point for regulatory bodies and market participants worldwide.It is recommended to support the continuous improvement of generative AI by building scalable computing power infrastructure,industry datasets,and an open and diverse model ecosystem,thereby promoting high-quality digital and intelligent upgrades in the financial industry.