| In 2015,with the further maturity of deep learning algorithm,artificial intelligence ushered in a brand new watershed.In recent years,under the circumstance that the growth rate of China’s artificial intelligence market scale is much higher than that of the global market,the Chinese government has timely promoted it as a national strategy,and clearly proposed the goal of artificial intelligence phased discovery,that is,the strategy of "three steps".The strategy points out that the first step is to keep the development level of the country’s ai industry at the same level as the world’s advanced level before 2020.The core is to develop intelligent systems of various types and fields such as big data intelligence,so as to give full play to the role of artificial intelligence in driving industrial development.Second,by 2025,we will integrate smart technology into core areas such as manufacturing,medical care,urban development,agriculture and national defense,so that its application in real industries will generate 5 trillion yuan by 400 billion yuan,reaching the world’s advanced level.The third step is to make the core artificial intelligence industry bring into full play the economic development achievements of 1 trillion yuan and 10 trillion yuan by 2030.It can be seen that the development program proposed under the leadership of the state council not only quantifies the basic content of artificial intelligence,but also supports the fiscal and tax policies of artificial intelligence.It also puts forward specific construction requirements for the downstream industry chain,ecological training direction and cultivation of high-quality talents.Financial services have ushered in the era of digital revolution,and artificial intelligence has led a new direction in the process of bank digital transformation.In this important transformation process,how to develop a digital thinking model,how to build a complete technical architecture,how to integrate work efficiency and a digital financial organization with high standards are all related to how artificial intelligence can play a greater role in the transformation process of the banking industry.For the financial market,the implementation of this development requirement,in fact,is to promote the interactive development of finance and artificial intelligence,in order to better build the modernization of the financial system and serve.The implementation of the supply-side structural reform and the development strategy of artificial intelligence reflected in financial services,making financial services easier to operate.Financial industry is data-intensive industry,banking and the whole society to form network of tightly woven,within Banks accumulated a lot of information,and artificial intelligence is applicable to extract useful information from huge amounts of data,analyzing the processing of information feedback to the bank to make decision,especially in the risk management and financial transactions on these complex data processing,artificial intelligence on bank risk control management,operational efficiency,speed up the experience and customer differentiation adaptation of multiple.personality plays a role that nots allow to ignore.Therefore,artificial intelligence can even be said to overturn the existing banking structure,change banking services,so that it is personalized and intelligent development.At present,the transformation of commercial Banks under artificial intelligence in China mostly focuses on the research and development of artificial intelligence and the four intelligence fields in which it is concentrated,namely marketing level,investment consulting,risk control and payment customer service.In recent years,technologies and derivatives related to artificial intelligence machines have only been involved in a small scope.For certain results achieved,it can be seen that there is still a huge potential for the development of artificial intelligence in the future.Chinese Banks should keep up with the trend of artificial intelligence application,further integrate internal and external data resources,study core technologies related to artificial intelligence,and explore new application scenarios of artificial intelligence,so as to complete the transformation to intelligent Banks in the new era.At present,more applications of artificial intelligence are the development of payment and clearing market,which is,in the final analysis,how to better balance the relationship between efficiency and security.For the payment market,the implementation of the policy direction of strengthening supervision of the payment and clearing system is not a moment,but a battle.From another perspective,the booming development of new technologies leads to endogenous changes in the payment and clearing system.Especially in the field of retail payment tools,showing a variety of external forms of expression,affecting People’s Daily life.Looking at the global development,in recent years,China’s new financial innovation,especially mobile payment,has made a breakthrough.However,compared with the prosperity,the development of relevant research theories goes against the development of the market,which leads to the frequent divergence and contradiction between policy theories and practical operation.This paper starts from the commercial Banks as the main body from a new perspective and takes the agricultural bank as an example to illustrate how to give better play to the advantages of artificial intelligence in such important fields as payment and settlement supervision.Firstly,this paper expounds the background of the topic,the significance of the research,the research status at home and abroad,the research ideas,the research methods,the innovation points and the existing shortcomings.Secondly,the related aspects of artificial intelligence are reviewed theoretically.Including the connotation of artificial intelligence;Summary of the development of artificial intelligence: the development history of artificial intelligence and horizontal comparison of the development status of artificial intelligence in various countries.And the difference between artificial intelligence and the Internet is compared,focusing on the difference between the Internet application to the financial industry and artificial intelligence.Next,the paper introduces the current development of artificial intelligence in China’s banking industry.Including the application situation and difficulties encountered in the application,the current situation of the application of artificial intelligence in the banking industry is reflected in improving user experience,conducting quantitative analysis and strengthening risk management.At present,the difficulties encountered in the application of artificial intelligence in the banking industry are not only the shortage of high-end talents who master data processing and establish algorithm models,but also the long time and high application cost required for the preparation of big data resources,which leads to the lack of market supply of data.Moreover,it is difficult to effectively prevent the risks arising from the application of artificial intelligence,and the equipment involved in artificial intelligence has a high demand cost.Thirdly,taking agricultural bank of China as an example,this paper empirically analyzes the theoretical mechanism affecting the benefits and risks of commercial Banks and how agricultural bank of China specifically applies artificial intelligence to improve benefits and strengthen risk control.To explore how to apply artificial intelligence to the factors that have the greatest impact on benefits and risks,to achieve greater effectiveness of artificial intelligence.Finally,put forward the development measures,first try to gradually improve,constantly optimize the top design of application planning.Standardize management and reasonably integrate and use existing internal data,and formulate standard specifications for data collection.Expand and optimize internal and external data sources and channels to support steady development of artificial intelligence.We will continue to explore and develop artificial intelligence technologies,expand application scenarios,train talents in artificial intelligence,focus on talent development,and pay attention to long-term benefits.This paper looks forward to the changes artificial intelligence will bring to Banks in the future and describes the development trend and future prospect of artificial intelligence technology. |
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