Research On The Application Of Artificial Intelligence In Finance

From academia to industry,the application and influence of artificial intelligence is becoming wider and wider.The financial industry is the earliest and most comprehensive industry integrating with artificial intelligence.The application of artificial intelligence technology such as data mining,accurate portrait,machine learning and neural network will be on financial products,service channels,service methods,risk management,credit financing,and investment decisions.Waiting for a new round of change.In-depth analysis of the basis of artificial intelligence and financial integration,impact mechanism,risk and development countermeasures has important theoretical and practical significance for promoting the deep integration and healthy development of artificial intelligence and finance.In recent years,not only Ant Financial,Jingdong Group,Baidu and other Internet companies have launched intelligent financial services,but commercial banks such as industry,agriculture,China,construction,and people's livelihood have also applied artificial intelligence technology to specific businesses,intelligent customer service,intelligent marketing,Businesses such as intelligent risk control and smart investment have emerged.Artificial intelligence and finance can be organically integrated,with both big data as the foundation,policy and investment support,and external changes in customer demand and inherent requirements for cost reduction.The rapid development of artificial intelligence has a profound impact on the highend finance of the deep service value chain.Artificial intelligence realizes the process of technology-enabled finance through ripple effects,data information processing,cost and efficiency approaches,and emotional management.However,we also see the risks of artificial intelligence in the financial industry,including technical risks,information security risks,regulatory risks,moral risks and investment risks.The integration of artificial intelligence and finance has become irreversible,risks and opportunities coexist,and the financial industry must accelerate the pace of development.In the era of artificial intelligence,traditional financial talents must undergo transformation and change to compound talents.Financial institutions should adapt to the development of financial technology,increase investment in and application of smart technology research and development,strengthen the management of risk prevention and control,and further clarify regulatory responsibilities by financial regulatory authorities.Apply artificial intelligence technology to regulatory methods and means to improve the intelligence of regulatory automation.