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工智能在未来金融业还有哪些应用?

2017-09-15 07:26:53   中国经济网

融360刚入职的首席智能官“融八牛”,以全球首位金融AI大使身份正式公开亮相北京金融街,刷脸就能算出贷款额。经济日报记者 钱箐旎摄

乐信工作人员正在展示风控系统的操作流程。经济日报记者 钱箐旎摄

在京东大厦内的米源自动售货机旁,使用者通过扫描人脸即完成了支付过程。目前,这一京东金融人脸识别技术已完成内部测试。 经济日报记者 钱箐旎摄

办理信贷时,在电话里传出了审核员悦耳动听的声音,你也许会猜测电话那头是一位美丽的姑娘,但很遗憾,那可能只是一台机器。

当然,人工智能的出现,给金融行业带来的改变远不止如此。如今,无论是传统金融机构还是新金融机构,都在快速应用人工智能技术,包括信贷业务审核、风险防控等多个核心领域

一个业内共识是,与其他行业相比,人工智能与金融业更能迸发出激烈火花。在国务院印发的《新一代人工智能发展规划》(以下简称《规划》)中提出,建立金融大数据系统,提升金融多媒体数据处理与理解能力。创新智能金融产品和服务,发展金融新业态。鼓励金融行业应用智能客服、智能监控等技术和装备。建立金融风险智能预警与防控系统。

未来,人工智能在金融业还有哪些应用?对我们的生活又将带来怎样的改变?

高效赋能金融业

金融行业数据全、规模大、维度多、可数据化的程度高,这为人工智能与金融的结合提供了有利条件,两者极易迸发出火花

一个传统的贷款业务可能需要2至3天来审批,而一个基于人工智能模型的自动审批方案可能只需要几秒钟就可以完成。如今,越来越多的金融科技公司开始将人工智能技术广泛用于风险防控、审核等金融核心领域,取得了很好的效果。

如乐信集团首席风控官刘华年表示,乐信自主研发的“鹰眼”智能风控引擎,拥有6000多个风控模型数据变量,做到了98%的订单“零人工”干预,最快3秒反馈结果;日均处理30万笔订单,相当于1500名审核员的工作量。未来,通过智能呼叫系统,乐信的人工审核量将进一步压缩。

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