in the process of integrating with finance, artificial intelligence technology can improve the level of financial services at multiple levels. specifically, at the application level, ai can effectively help financial institutions to solve three major pain points: reduce costs, improve service efficiency and improve user experience. the industry generally believes that in the future, the financial business will gradually develop towards an intelligent direction, artificial intelligence prospect can be expected.
accurate docking of small and micro businesses
in terms of current practice, artificial intelligence has been applied to various degrees in such fields as intelligent asset allocation, intelligent customer service and intelligent risk prevention and control, basically covering the whole process of financial business.
at present, china is stepping up efforts to support the development of small and micro businesses and guide financial institutions to invest more resources to solve the financing problems of small and micro businesses. one of the sticking points in constraining the financing of small and micro businesses is the limited accumulation of technology and data and the blank of credit record, which makes it difficult for banks and other financial institutions to grasp the risk control of small and micro businesses and lend loans to small and micro businesses with confidence.
therefore, to develop the small and micro finance and serve the small and micro enterprises well, on the one hand, it is necessary to expand channels and create more diversified financial service means. on the other hand, credit risk of small and micro enterprises needs to be accurately controlled and good efforts should be made in risk control. the rise of artificial intelligence technology provides more possibilities for small and micro businesses to explore financing channels and do a good job in risk control and management.
a report analysis by suning financial research institute uses artificial intelligence technology to predict and perceive financial risks more conveniently and efficiently through big data mining, building artificial intelligence learning algorithm and other means, improve data collection efficiency, and then effectively monitor risk trading and violations. in addition, artificial intelligence algorithm can also track and warn risks of service enterprises in real time. it can collect, analyze and model real-time information from various dimensions, such as asset status, cash flow direction, investment relationship and shareholder changes. on this basis, an enterprise risk rating system can be formed to give early warning to enterprise risks.
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