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| 人工智能技术在金融领域的应用：主要难点与对策建议 [摘要] 当前金融行业正进入转型升级阶段，人工智能技术与金融应用的深度融合，推 动金融服务和业务模式的创新变革，重塑金融产业的新生态。但是，人工智能作为新兴技术在金融领域积极应用的同时带来了一系列挑战。本文介绍了人工智能发展概况，包括人工智能的概念、在金融领域的应用及其应用现状。从数据、技术、人才、风险、监管四方面着手，探讨现阶段人工智能技术在金融领域应用面临的主要难点。因此，基于这些挑战提出对策建议：强化大数据的整合和运用，建立安全可控及广泛共享的大数据生态圈；保持技术基础研究与深度应用并行，建立协同攻关、开放共享的创新研发平台；强化复合型研究人才和师资队伍力量；平衡技术创新与金融风险，制定网络安全风险管理和信息合规合法采集准则；创新金融监管方式，加强和完善金融监管法律法规建设。 [关键词]人工智能；金融；大数据；风险；金融监管 Application Of Artificial Intelligence Technology In The Financial Field: Main Difficulties And Countermeasures And Suggestions [Abstract] At present, the financial industry is entering the stage of transformation and upgrading. The deep integration of artificial intelligence technology and financial applications will promote the innovation and reform of financial services and business models and reshape the new ecology of the financial industry.However, as an emerging technology, the active application of ARTIFICIAL intelligence in the financial field also brings a series of challenges.This paper introduces the development of artificial intelligence, including the concept of artificial intelligence, its application in the financial field and its application status.Starting from the four aspects of data, technology, talent, risk and supervision, this paper discusses the challenges faced by the application of artificial intelligence technology in the financial field at the present stage.Therefore, countermeasures and suggestions are proposed based on these challenges: strengthen the integration and application of big data, and establish a safe, controllable and widely shared big data ecosystem;Maintain the parallel between basic research and in-depth application of technology, and establish a collaborative, open and shared innovation r&d platform;Strengthen the strength of interdisciplinary research talents and teachers;To balance technological innovation and financial risks, and to formulate guidelines for cybersecurity risk management and information compliance and lawful collection;We will innovate ways of financial supervision and strengthen and improve laws and regulations on financial supervision. [Key words] Artificial intelligence; Financial; Big data; Risk; Financial regulation 目录 一、绪论1 （一）人工智能技术在金融领域应用的研究背景1 （二） 研究意义1 （三）研究方法2 （四）研究内容2 （五）研究框架3 二、国内外文献综述3 （一） 国内文献综述3 （二） 国外文献综述5 三、人工智能技术在金融领域的应用现状5 （一） 人工智能的概念5 （二） 人工智能化下金融业的应用现状5 四、人工智能技术在金融领域的应用的主要挑战8 （一）难点一：数据挑战8 （二）难点二：技术挑战8 （三）难点三：人才挑战8 （四）难点四：风险挑战9 （五）难点五：监管挑战9 五、人工智能技术在金融领域应用的对策建议10 （一） 对策：数据方面10 （二） 对策：技术方面11 （三） 对策：人才方面11 （四） 对策：风险方面12 （五） 对策：监管方面13 结语15 参考文献16 致谢17 |
