据麦肯锡全球研究院周二发布的报告，人工智能可以为华尔街带来每年高达3400亿美元的利润。该报告指出，银行使用生成式人工智能工具可以通过提高生产率每年增加高达3400亿美元的利润。这相当于经营利润增长9%至15%。
报告作者表示，企业银行和零售银行会受益最大。生成式人工智能工具可以帮助银行更好地管理风险、提高效率和降低成本。例如，通过使用生成式人工智能工具，银行可以更准确地评估贷款申请人的信用风险，从而降低违约率。此外，生成式人工智能工具还可以帮助银行更快地处理交易和客户服务请求，提高工作效率。
麦肯锡在报告中还指出，尽管生成式人工智能工具为银行业带来了巨大的机遇，但也面临着一些挑战。例如，如何确保生成式人工智能工具的安全性和隐私性；如何防止生成式人工智能工具被用于欺诈和洗钱等非法活动；以及如何培养员工使用生成式人工智能工具的技能和知识。
英语如下：
“News Headline: McKinsey Report: AI Boosts Wall Street’s Annual Pro”News Headline: McKinsey Report: AI Boosts Wall Street’s Annual Profit by $340 Billion
Keywords: Artificial Intelligence, Bank Profits, McKinsey Report
News Content: According to a report released by the McKinsey Global Institute on Tuesday, Artificial Intelligence (AI) has the potential to bring Wall Street an annual profit of up to $340 billion. The report states that banks using generative AI tools can increase their annual profit by up to $340 billion through increased productivity. This is equivalent to a 9% to 15% increase in operating profits.
The report’s authors suggest that both corporate and retail banks would benefit the most. Generative AI tools can help banks better manage risks, improve efficiency, and reduce costs. For example, by using generative AI tools, banks can more accurately assess the credit risk of loan applicants, thereby reducing default rates. In addition, generative AI tools can help banks process transactions and customer service requests faster, improving work efficiency.
McKinsey also points out in the report that while generative AI tools present significant opportunities for the banking industry, they also face some challenges. These include how to ensure the security and privacy of generative AI tools; how to prevent them from being used for illegal activities such as fraud and money laundering; and how to cultivate employees’ skills and knowledge in using generative AI tools.”
【来源】https://finance.sina.com.cn/stock/usstock/c/2023-12-06/doc-imzwziam9753320.shtml
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