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何剑波:预计我国智能金融领域5年内将赶超美国

2017-08-16 12:06:41   中国青年网

中新网8月16日电 智能金融科技正深刻地改变着金融业的业态结构。金融界智能金融业务总经理何剑波表示,“我预判,过不了5年,我国在人工智能,特别是人工智能运用于金融领域方面的发展,应该会超过美国。”

日前,由智能金融百人会、金融界、贵阳大数据交易所联合举办的“大数据、智能金融与券商新业态”调研与专题研讨会在贵阳市召开。何剑波在研讨会上发表了上述观点。

智能投顾等智能化科技,最早在金融领域的大规模出现,是以2008年Wealthfront的前身Kaching在美国成立为标志吗,近几年才迎来大规模应用与市场化发展。何剑波认为,关键是受制于大数据与云计算的数据资源积累与理论技术进步。智能金融进入国内市场时间更晚,源于另一项制约因素——国内市场与投资者对于使用智能科技运营管理投资的信任感与接受度,比较起来更低。

金融界智能金融业务总经理何剑波在演讲。

“这一点其实要感谢AlphaGo。它在围棋这项复杂的运动中接连战胜世界名手,才让人们真正意识到人工智能技术已经进化到如此高的程度了。在逐渐提高接受度的同时,也构成了这两年智能金融在国内快速发展的契机。”

何剑波称,智能金融在国内的大发展时期,其实是始于2016年的。早在2013、2014年,清华大学五道口金融学院互联网金融实验室赴美考察之后,就将很多国外的商业模式向国内介绍。然而,当时市场最关注的还是P2P等模式,智能投顾这种业态还很少有人关注。直到2015年P2P等互联网金融监管收紧之后,业界终于将目光投向了智能金融,并将其作为主要的突破口。

“金融业的基础是数字化,而在金融领域运用的人工智能技术,核心就是数据、算法、机器学习等模型,也是建立在数字之上的。因此,将人工智能用在金融领域,是有一种天然亲和力的。”何剑波在演讲中还重点探讨了智能投顾这一智能技术在金融中的重要场景应用。

他表示,金融界推出智能投顾产品“灵犀智投”已经升级到2.0版本。在实际市场中,智能投顾这一场景应用特别受到券商的重视。这是由于目前经纪业务仍然是券商收入的重要组成部分,但经纪业务的利润却一直在下滑。随着经纪业务佣金率的不断下降,券商们终于意识到,服务将是下一个吸引客户、提高收益水平的主要方式。智能投顾,将是券商提升服务,降低成本最高效的场景应用。

诚然,我国智能金融领域,当前无论在技术水平、客户数量、资管规模等方面,都相对落后于西方资本市场。但他认为,这样局面在不久将来会发生变化。因为发展较晚,国内在金融领域很多的理念与基础设施,一开始就建立在先进的平台上,比如国内交易平台电子化与金融信息数字化的水平就很高。这就是智能金融快速发展的沃土,相关政策扶持也刺激了产业的发展繁荣。(完)

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