On January 9, bronco finance and economics is combined alone horny finance holds " new era of navigate intelligence finance -- forum of height of competition ability of 2018 finance science and technology " hold successfully. Academy of economy of Internet of China of university of Yang Tao of assistant of director of institute of finance of the Chinese Academy of Social Sciences, the finance and economics central is assistant dean Ouyang Rihui, delightful borrow lofty of vice-president the Song Dynasty, Yi Bao to pay CEO Tang Bin, love Qian Jin conduct financial transactions of bamboo of vice-president Cai garden, pocket, discuss intelligent finance new trend.
About the development trend of the industry, li Xiaoye of author of bronco finance and economics speaks of, the development of artificial intelligence and big data technology, improved the efficiency of traditional banking business greatly. With the examination in the past loan business is exemple, offerred application from the client in the past, to refer paper material proof, type to data of examine and verify again, arrive again fulfil his duty to investigate, examine and verify approves loan, this process even if is compressed again extract effect, also want to spend time of a week. But, firm of banking of a lot of Internet can accomplish 10 seconds examine and verify to put loan now, or 5 seconds put loan. Improved the speed of traditional business and efficiency greatly, the technology such as artificial intelligence of this benefit from benefit from, big data develops.
Artificial intelligence from on heretofore has experienced the century 3 cases the fifties two fall, of this one artificial intelligence arisen, the fund that has BATJ already aids force and layout, also have governmental guiding fund, still have PE, VC and all sorts of society capital. From 2017 A in light of the circumstance, artificial intelligence concept go up already not small, say the stock market is the barometer of hypostatic economy, the bubble of artificial intelligence also is worth vigilance, how to yield artificial intelligence health, steady progress, is not the other industry that goes up like blast tuyere, be declined quickly quickly again by capital accelerate the ripening altar, be worth to think.
Technology of times of focusing intelligence finance and superintend
Science and technology is the pillar of intelligent finance. In the process that uses in innovation of science and technology, risk and safe problem not allow to ignore.
Yang Tao of assistant of director of institute of finance of the Chinese Academy of Social Sciences thinks, encouraging intelligence while finance develops, also should realize the risk of financial science and technology, basically set out from two angle, one is risk of systematization risk, systematization of a dispute. Say to answer the systematization banking venture that financial science and technology may bring with its, be inferior to saying the new condition that how uses quickly in science and technology falls, combine national condition, how examine systematization risk afresh discriminate.
tripartite pays, it is the precursor that intelligent finance develops and trailblazer, yi Bao pays CEO Tang Bin from pay, the view that the domain of financial science and technology shared him, he mentions: Chinese disbursement the industry is Chinese finance science and technology even a piece of calling card of Internet industry, in the whole world anyplace, include the United States; In the past in more than 10 years, financial science and technology has a few new pattern, in global consequence very big, bring to the development of our life and enterprise very big change, it is certain to have representative.
Tang Bin is mentioned finally, the hug is superintended is financial science and technology inside a main component. His this one viewpoint got the self-identity of a lot of personages attending the meeting.
How should be the superintendency of intelligent finance times begun? Ouyang Rihui puts forward at 4 o'clock view, it is administration is superintended for complementary, industry self-discipline is given priority to, develop the competitive mechanism of Internet money market adequately; The moving standard that is the Internet finance orgnaization that builds perfect and different type secondly and standard, the fair justice that maintains the market runs a mechanism; 3 it is to should build information to share a mechanism; Finally is to build superintendency orgnaization to cooperate with mechanism. He expresses at the same time, technology of artificial intelligence, big data, interconnection, distributed technology and safe technology are the technology that needs attention. Especially multidimensional the mark that spending mutiple level big data to analyse is intelligent finance matchs, "Big data combines artificial intelligence, can have offerred intelligent solution of individuation, reduce credit of each other gold to concentrate a risk in the round, improve quality of product of banking of science and technology and service efficiency further. Improve quality of product of banking of science and technology and service efficiency further..
"To money government adviser, the issue that they consider has a lot of, know cause of client setting, life cycle, investment for instance, these need to undertake survey, in this process, fortune adviser may use the tool of a lot of intelligence management. No matter intelligence is cast,we can see consider, big data mining or mobile interconnection, actually it is offerring a lot of lines to go up for money government adviser, the support below the line. " forum spot, delightful the intelligent client that borrows lofty of vice-president the Song Dynasty to combined example to explain delightful fortune has an insight into big data engine, if why be accumulated with big data,be germinant, pass many kinds of asset to configure, setting of implementation money management is changed, real time is updated and 1000 people 1000 service.
How does artificial intelligence promote financial science and technology competition ability?
In the round-table forum link that this second peak meets, love money takes vice president of bamboo of vice-president Cai garden, pocket conduct financial transactions Wang Zheng of vice director of research center of innovation of finance of Internet of Liu Zhe of president of company of management of asset of brother of Li Jintong of copartner of capital of Zhang Yu, La Feng, 10 thousand rich, sunshine with respect to intelligent finance.
To intelligent finance, zhang Yu summary is 3 words " fast " , " firm " , " province " , "Particular system go up in rhythm now, in the process that intelligent finance changes, whole intelligence changes a system to be able to be opposite quickly receive an user, no matter be capital lender or loan,just can undertake fast analysis, calculate and choose, replaced effectively artificial the job of this respect. " Zhang Yu thinks, pass the service of customer service of AI robot, intelligence, can undertake serve and be communicationed effectively steadily for the client.
"Pass artificial intelligence, the intervenes still can solve information asymmetry problem of big data. " Liu Zhe complements. She thinks, develop general benefit banking currently, face the situation with high cost and relatively inferior accrual, introduce artificial intelligence and big data to be able to solve this one pain spot, provide service length end for the user.
Save cost to artificial intelligence technology apparently, improve whole industry efficiency, consensus had been reached inside course of study. Wang Zheng also think, "As technical development, used artificial intelligence to get information cost the conference is a few smaller. Used artificial intelligence to get information cost the conference is a few smaller..
On round-table forum, cai garden bamboo cited to love Qian Jin's case, "We excogitated new technology to call water the model, help analyst of model of our imitate tradition, undertake data feature identify. Will before the model of the line on a month promotes two skies the line. " through upgrading technology, promoted work efficiency considerably.
Finally, summary puts forward Li Jintong 2018 of intelligent finance erupt dot, "Intelligent finance is solving standardization on a few agreement, no matter be a stock or the agreement of fund of conduct financial transactions. No matter be a stock or the agreement of fund of conduct financial transactions..
Intelligent finance develops a report to release
Forum spot, alone university of finance and economics and data support square be in harmony in the center of horny banking combination 360 released " 2017 intelligence finance develops a report " (the following abbreviation " report " ) . Alone Li Lijun of horny finance editor in chief had detailed introduction to this report, as we have learned " report " industry of the development course around intelligent finance, fractionize and cast financing to develop research, mix to the prospective environment market of intelligent finance the challenge that face undertakes discussion.
" report " put forward intelligent finance to still be in preliminary development phase at present, regard a kind of burgeoning course of study as voice, in " intelligence " technical level and " intelligence " with " finance " practice period is being explored on combinative mode. In this one phase, our country encourages development intelligence finance, to the industry development provided favorable competitive environment; Industry competition pressure is relatively comfortable at the same time, market potential is tremendous.
Of course, the development of intelligent finance also faces a lot of challenge, include popular to admit level of technology of degree, artificial intelligence and policy to superintend etc.
" report " think prospective intelligence finance develops good luck and challenge to coexist, industry how technical advantage the biggest change, superintend how to innovate, develop keep space to intelligent finance with open, included manner, become the target of entire industry.
Science and technology of 2017 year finance has competition ability company most
Review 2017 intelligent finance domain, bronco finance and economics is combined alone horny finance nominates according to the committee of experts, choose through the voting means on the line have force most, provide innovation power most, have a brand most value and most the science and technology of more than 10 finance that benefit from door favors company.
Final, beijing bank, along with pay all right, believe and rich obtain provide award of brand value business most, delightful borrow, letter of fast Niu Jinke, sunshine is protected, nimble is obtained jointly more provide influence industry award most, net of the wisdom be in harmony, science and technology that be the same as aegis, lazy money, Shanghai namely rich obtain provide award of innovation power company most, wrap public money, appropriate to believe - Qian Jin of fortune pointing to flourishing, love is obtained provide award of innovation force product most, pot of golden egg conduct financial transactions, Niu Banjin, foreign money is obtained most award of enterprise of favour of benefit from door.
