兴业银行“AI+大数据”的创新应用与实践

金融科技蓬勃发展,以技术驱动金融创新,为金融发展与改革提供源源不断的动能。金融科技的核心在于采用人工智能、大数据、云计算、物联网、5G等现代科技成果,优化并创新金融产品、经营模式及业务流程,不断推动金融发展提质增效。金融科技与业务场景的深度融合,将挖掘出新的业务价值与盈利模式,赋能金融业务持续稳健增长。     

虚拟数字人重磅来袭,金融服务交互体验升级

近年来,互联网、大数据、人工智能等技术加速创新,日益融入经济社会各领域发展的全过程。"十四五"规划纲要为金融机构数字化转型奠定了总基调,国家推动人工智能产业升级的序幕已开启。结合VR、AR、MR技术,运用5G、人工智能等前沿科技打造的沉浸式、低延时和高拟真的虚拟世界元宇宙成为政府部门和科技公司的研究方向,基于人工智能、计算机图形学等技术研发的虚拟数字人作为元宇宙的重要组成部分开始逐渐在金融行业应用。     

金融科技技术创新分析及探索

在当前席卷全球的数字化浪潮趋势下,金融机构广泛致力于智慧金融创新探索。金融科技涉及人工智能、5G/6G、区块链、元宇宙、物联网等多项当代颠覆性技术,为金融客户服务提供倍增价值。随着技术的发展,金融机构需要进一步对颠覆性金融产品和技术支持生态系统进行研究和创新,因此,众多科技巨头也将注意力集中在金融科技领域创新,提出各自的信息和通信技术解决方案。文章展望了未来10年金融科技的创新应用场景,尝试为特定用途提供金融科技推动因素的高级框架,包括物联网、5G、数字孪生和元宇宙案例,并对未来金融科技的发展挑战进行了预测,同时提供了应对策略与建议。     

5G智能时代对金融科技发展路径的思考

5G、大数据、人工智能等金融科技在业务产品创新和服务渠道优化方面的成效显而易见,其快速的发展态势,改变了金融行业的业态和业务模式,提升了银行的服务能力和水平,推进了银行向智能化、数字化深度转型.本文深入分析了5G智能时代金融科技的发展趋势,指出金融科技将提升金融精准服务能力、开放服务和风险控制能力,提出创新打造金融产品、构建敏捷服务模式、深化建设开放生态、推进场景金融应用、严控金融安全风险的金融科技发展路径,为银行推动金融科技在业务领域的深度应用提供了有益的借鉴.     

基于人工智能的证券金融服务创新研究

本文回顾了人工智能的发展历程以及证券市场业务创新的发展过程,对金融科技推动证券服务持续创新发展进行了分析;重点分析了人工智能对证券金融服务创新的影响,总结了人工智能在证券服务创新的应用框架,共覆盖人工智能五大类技术应用以及智能客服、智能投顾、智能交易、智慧运营等十八大业务应用场景,并对技术平台架构进行了设计探索,最后对人工智能的应用对监管的挑战和应对措施进行了探讨。     

数字经济推动产业高质量发展的路径

随着5G网络加快布局,大数据、云计算、人工智能等技术的不断突破,我国已经进入了数字经济发展的快车道。数字经济和实体经济的不断深度融合,推动了新技术、新产业、新模式的出现,成为完善现代化经济体系、实现产业高质量发展的重要路径。     

人工智能时代财务人员的转型研究

在5G、数字化和信息化快速发展的大环境下,一部分简单重复有规律的财务工作将被人工智能取代.文章分析了当前企业财务人员面临的部分挑战,并提出了财务人员转型的路径,探讨了在人工智能时代财务人员能力模式,以期为推动财务人员转型提供参考.     

5G与金融的融合路径与应用场景研究

作为当前信息基础设施的核心引领技术,5G对于推进经济社会高质量发展、建设网络强国和数字中国、打造智慧社会具有重要战略意义。作为与信息技术结合最紧密的行业之一,金融行业数字化转型同样需要5G技术的支持。本文在总结不同阶段移动通信技术与金融行业的融合发展特征的基础上,重点解析了“5G+金融”应用发展路径和作用模式,并结合银行、证券、保险三大金融领域的经营详细解析可落地的应用场景。最后提出5G在金融领域应用面临的挑战,并提出推动5G相关应用场景落地的对策建议。     

《5G时代:经济增长新引擎》

中信出版社,2019年12月出版我国已进入5G时代,加快5G技术的研发与转化对推动相关产业链技术革新、赋能实体经济高质量发展具有重要的意义。本书基于对通信行业的研究与思考,结合国家相关政策的跟踪与分析,对5G技术创新、全产业链重构、融合应用场景等进行了准确的阐述,深入解读了5G在做大做强产业,推动经济增长方面的支撑作用。     

守正创新的金融科技

当前,金融科技对商业银行的重要性日益凸显,推动并融合了制度改革和技术创新的金融科技的发展,成为商业银行在未来发展中能否占据优势地位的关键。2020年商业银行积极拥抱金融科技经济压力下,数字化趋势明显。以人工智能、区块链、大数据、物联网、5G、API、RPA为代表的新兴信息技术,作为银行数字化转型的第一生产力,加速向金融业各单元融合渗透。银行业借助银行系科技子公司组建的契机,继续加大金融科技布局,全面提升金融服务实体经济的能力。     

Debt and Taxes and Uncertainty

With a graduated personal tax schedule, Miller showed that there could be an equilibrium debt supply for the corporate sector as a whole. In the presence of uncertainty there is also a unique debt/equity ratio for each individual firm, and this ratio is related to the firm's operational risk characteristics. However, if firms merge and spin off in response to tax incentives, the identity of firms is ambiguous and only the corporate sector is a meaningful construct. These arguments are developed in both discrete and continuous models that employ extensions of the arbitrage-free pricing theory.     

教育与资本怎样的前景怎样的现实

来自政府的声音: "动员各种社会资源,发展教育" 此次论坛上财政部长助理张少春的发言是最受关注的发言之一.他的演讲传达出的信息有这样几方面:第一,谈到现实,他认为全社会对教育的巨大需求与我国公共投入不足已成为我国教育事业发展的突出矛盾.近年来,以公共部门投入为主,多渠道筹措教育经费的教育投入机制成为解决这一问题的重要途径,也使得公共部门与私营部门在教育领域的合作日益密切.第二,谈到前景,他认为,1.中国经济持续、快速的增长对高技能人才产生巨大的需求,这为私营部门的参与提供了广阔空间.2.随着公共财政职能的不断完善,财政资金将在各项教育事业中重新进行分配,进一步优化财政支出结构,提高资金的使用效率.在"十一五"期间,我国将把公共支出的重点转移到农村.我们将逐步把全体农村适龄儿童的义务教育全部纳入公共财政体制.     

East and west and north and south : A preliminary model

The Brandt report and other proposals for a new North-South world order continue to be the focus of lively debate, yet it is often argued that little concrete has emerged from their recommendations. A major reason for this, the author argues, is that the East-West conflict component is not sufficiently taken into consideration-East-West tensions are a severe constraint on and a determining factor of North-South relations. Using influence diagrams, the author develops a flexible framework for discussion and assessment of N/S-E/W relations.     

Director gender and mergers and acquisitions

Does director gender influence CEO empire building? Does it affect the bid premium paid for target firms? Less overconfident female directors less overestimate merger gains. As a result, firms with female directors are less likely to make acquisitions and if they do, pay lower bid premia. Using acquisition bids by S&P 1500 companies during 1997–2009 we find that each additional female director is associated with 7.6% fewer bids, and each additional female director on a bidder board reduces the bid premium paid by 15.4%. Our findings support the notion that female directors help create shareholder value through their influence on acquisition decisions. We also discuss other possible interpretations of our findings.     

Political corruption and mergers and acquisitions

This research examines the relation between political corruption and mergers and acquisitions (M&As). We find that local corruption increases firm acquisitiveness but decreases firm targetiveness. The levels of corruption in acquirer areas relate positively to the bid premiums and negatively to the likelihood of deal completion. Corruption motivates acquiring firms to use excess cash for payment, which mitigates the negative effect of corruption on acquirer shareholder value. The evidence indicates that acquisitions help acquiring firms convert cash into hard-to-extract assets and relocate assets from the high to low corruption areas, thereby shielding their liquid assets from expropriation by local officials.     

Trust and cross-border mergers and acquisitions

A number of studies suggest that social trust matters for investment. Using different measures of trust from World Values Survey, we show that countries where people display higher levels of trust engage in more cross-border M&A activities. When they do, these acquirers pay lower premiums. To the extent that these acquirers also tend to engage in larger acquisitions as well, our findings suggest that a larger selection pool of potential targets and higher value targets enable these acquirers to negotiate for lower premiums. We do not find evidence of the significant effect for target country trust levels. Hence, trust may benefit those acquiring firms in cross-border transactions.     

Tournament-based incentives and mergers and acquisitions

This research examines the relation between tournament-based incentives, which are proxied by the difference between a firm's CEO pay and the median pay of the senior managers, and mergers and acquisitions (M&As). We find that tournament-based incentives are positively related to firm acquisitiveness and acquiring firms' stock and operating performance. Further analysis indicates that positive acquisition performance increases the likelihood of the CEO being promoted from inside the acquiring firm. Our evidence is consistent with the view that tournament-based incentives motivate acquiring firms' managers to make greater efforts and take more risk that result in superior acquisition performance.     

Corporate Innovations and Mergers and Acquisitions

Using a large and unique patent‐merger data set over the period 1984 to 2006, we show that companies with large patent portfolios and low R&D expenses are acquirers, while companies with high R&D expenses and slow growth in patent output are targets. Further, technological overlap between firm pairs has a positive effect on transaction incidence, and this effect is reduced for firm pairs that overlap in product markets. We also show that acquirers with prior technological linkage to their target firms produce more patents afterwards. We conclude that synergies obtained from combining innovation capabilities are important drivers of acquisitions.