發(fā)布時(shí)間：2018-04-10 00:32

  本文選題：人工智能　切入點(diǎn)：神經(jīng)網(wǎng)絡(luò)　出處：《南方金融》2017年09期

【摘要】：人工智能技術(shù)的日益完善,給金融風(fēng)險(xiǎn)管理領(lǐng)域帶來(lái)顛覆性的變革。神經(jīng)網(wǎng)絡(luò)、專家系統(tǒng)、支持向量機(jī)以及混合智能等人工智能模型在金融風(fēng)險(xiǎn)管理領(lǐng)域的應(yīng)用,能夠提高數(shù)據(jù)處理速度、加深數(shù)據(jù)分析深度、降低人工成本,從而提升金融風(fēng)險(xiǎn)控制的效能。但與此同時(shí),人工智能可能存在程序錯(cuò)誤風(fēng)險(xiǎn)、失控風(fēng)險(xiǎn),帶來(lái)信息采集合法性以及信息安全隱患問(wèn)題,導(dǎo)致金融監(jiān)管成本上升,并對(duì)金融業(yè)就業(yè)崗位帶來(lái)沖擊。為此,金融系統(tǒng)需要正確認(rèn)識(shí)人工智能,完善人工智能在金融領(lǐng)域的應(yīng)用體系,采取有效的安全保障技術(shù)措施、人力資源提升措施;要強(qiáng)化金融風(fēng)險(xiǎn)管理領(lǐng)域應(yīng)用人工智能的監(jiān)管,盡快調(diào)整相關(guān)法律法規(guī)、監(jiān)管體系和管理架構(gòu),以此保障當(dāng)出現(xiàn)人工智能應(yīng)用的重大缺陷或者安全隱患時(shí),有相應(yīng)的規(guī)則來(lái)明確各方的風(fēng)險(xiǎn)處置責(zé)任。
[Abstract]:With the improvement of artificial intelligence technology, financial risk management has brought about subversive changes.The application of artificial intelligence models such as neural network, expert system, support vector machine and hybrid intelligence in the field of financial risk management can improve the speed of data processing, deepen the depth of data analysis, and reduce the labor cost.In order to improve the effectiveness of financial risk control.But at the same time, the artificial intelligence may have the risk of program error, out of control, bring about the information collection legitimacy and information security hidden trouble, cause the financial supervision cost to rise, and bring the impact to the financial industry employment post.Therefore, the financial system needs to understand the artificial intelligence correctly, perfect the application system of artificial intelligence in the financial field, take effective technical measures of safety and security, and improve the human resources.It is necessary to strengthen the supervision of the application of artificial intelligence in the field of financial risk management, and adjust the relevant laws and regulations, regulatory system and management structure as soon as possible, so as to ensure that when there are major defects or security risks in the application of artificial intelligence,There are rules to clarify each party's responsibility for risk management.
【作者單位】： 華南理工大學(xué)經(jīng)濟(jì)與貿(mào)易學(xué)院;華南理工大學(xué)金融工程研究中心;
【分類號(hào)】：F832;TP18
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本文編號(hào)：1728887