中新网1月25日电(中新财经 宫宏宇)据《2024年金融业生成式AI应用报告》显示，生成式AI技术在金融业中的应用尚处于技术探索和试点应用的并行期。预计在1-2年内，首批大模型增强的金融机构会进入成熟应用期，而到了3年后，生成式AI将有望在金融业迎来规模化应用。
据悉，生成式AI是一种模拟人类创造力的人工智能技术，它可以通过学习大量数据并自主创作新的内容。在金融业中，生成式AI可以应用于风险管理、投资策略、客户服务等多个领域。例如，在风险管理方面，生成式AI可以通过分析大量的历史数据和市场信息，预测未来可能出现的风险情况，从而帮助金融机构制定相应的应对措施。
此外，生成式AI还可以应用于投资策略方面。通过对市场的深度学习和分析，生成式AI可以为投资者提供更加精准的投资建议和决策支持。同时，在客户服务方面，生成式AI也可以通过智能客服等形式为客户提供更加个性化的服务体验。
然而，目前生成式AI在金融业中的应用还面临着一些挑战和难点。例如，如何保证生成式AI算法的准确性和可靠性；如何保护用户数据的隐私安全等问题都需要得到有效的解决。因此，在未来的发展中，我们需要进一步加强对生成式AI技术的研究和探索，以推动其在金融业中的广泛应用。
英语如下：
Title: Generative AI is expected to lead the scale application of finance in 3 years
Keywords: Finance, Generative AI, Scale application
According to the “2024 Generative AI Application Report for the Financial Industry,” the application of generative AI technology in the financial industry is still in a parallel period of technical exploration and pilot applications. It is estimated that within 1-2 years, the first large-scale enhanced financial institutions will enter the maturity application period, and by 3 years later, generative AI is expected to usher in scale application in the financial industry.
It is reported that generative AI is an artificial intelligence technology that simulates human creativity. It can learn a large amount of data and create new content autonomously. In the financial industry, generative AI can be applied to risk management, investment strategies, customer service, and other fields. For example, in terms of risk management, generative AI can predict future risk situations by analyzing a large amount of historical data and market information, helping financial institutions formulate corresponding response measures.
In addition, generative AI can also be applied to investment strategies. Through in-depth learning and analysis of the market, generative AI can provide investors with more accurate investment advice and decision support. At the same time, in terms of customer service, generative AI can also provide customers with more personalized service experience through intelligent customer service and other forms.
However, at present, the application of generative AI in the financial industry still faces some challenges and difficulties. For example, how to ensure the accuracy and reliability of the generative AI algorithm; how to protect the privacy and security of user data等问题 need to be effectively resolved. Therefore, in the future development, we need to further strengthen the research and exploration of generative AI technology to promote its wide application in the financial industry.
【来源】http://www.chinanews.com/cj/2024/01-25/10153138.shtml
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