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警惕人工智能投资暗藏风险

2017-08-21 06:11:43   中国青年网

虽说人工智能技术凭借深度学习能力,能改变人为操作的情绪化缺点,提升投资理财效率,但目前不论哪种“机器人理财”和所谓的人工智能投资业务,都暗藏着较大风险。有关各方要主动防范人工智能投资领域的潜在金融风险,早识别、早预警、早发现、早处置,积极引导人工智能投资新业态为实体经济服务、为投资者服务

最近,人工智能投资顾问领域的整顿颇引人关注。先是部分打着智能投资顾问旗号的地方金融资产交易所被监管层清理,接着某些没有公募基金销售资质的所谓智能理财平台被点名处理,还有部分披着智能理财“马甲”的P2P网贷公司被停业。据不完全统计,自近期监管部门下发《关于对互联网平台与各类交易场所合作从事违法违规业务开展清理整顿的通知》以来,已有数十家所谓的人工智能投资理财平台和智能投顾平台被处理。

人工智能投资兴起于国外,又称自动化交易平台,一般是指利用大数据分析、量化投资模型或者人工智能化算法,根据投资者的风险偏好、预期收益目标等要求,为投资者提供定制型投资顾问的商业模式。

目前,国内除了证券投资咨询业务“牌照”涉及部分智能理财内容之外,没有统一的人工智能投资标准和专门的监管规则,相关网络平台类别比较繁杂。主要有三种:一是招商银行、广发证券等传统金融机构依托现有金融业务牌照,推出互联网版本的理财APP或理财软件,本质上还是券商投顾服务或者其他持牌业务;二是部分具有基金、信托、保险等销售资质的第三方网络平台推出的智能基金投资组合服务,本质上还是金融产品销售行为;三是部分P2P网贷公司、地方金融资产交易所和所谓的金融科技公司,以非持牌机构的身份从事所谓的金融科技理财、机器人投资、大数据财富管理等服务。

虽说人工智能技术凭借深度学习能力,能改变人为操作的情绪化缺点,提升投资理财效率,但目前不论哪种“机器人理财”和所谓的人工智能投资业务,都暗藏着较大风险。

一方面,机器人理财到底算资产管理业务、财务顾问业务,还是投资顾问业务,目前没有明确的标准和界限。这就给少数不法之徒打着人工智能投资旗号,行非法集资之实以可乘之机。比如,有的所谓智能理财平台,虚构收益、夸大人工智能技术实力吸纳资金,实际上涉嫌自融和庞氏骗局;有的平台私设资金池,投资人资金先流入平台指定账户,然后再去匹配项目,通常存在“以短养长”的期限错配,容易引发流动性危机。

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