论人工智能在金融领域的应用风险和防范对策  

The theory of artificial intelligence application in the field of financial risk and prevention countermeasures

作　　者：陈维君[1] 许纯纯 CHEN Weijun;XU Chunchun(College of Humanities and Law,South China Agricultural University,Guangzhou 510642,China;School of Law,South China University of Technology,Guangzhou 510006,China)

机构地区：[1]华南农业大学人文与法学学院,广东广州510642 [2]华南理工大学法学院,广东广州510006

出　　处：《重庆理工大学学报（社会科学）》2019年第9期90-98,共9页Journal of Chongqing University of Technology（Social Science）

摘　　要：人工智能技术的日益成熟使得其与各领域的联系更为密切,在金融领域的应用亦是顺应时代潮流且取得了良好的效能。在大数据和互联网背景下,金融消费者、金融机构及其监管主体等对金融行业的创新和升级提出了更高要求,智能化成为金融行业发展的必然趋势。然而,风险与机遇并存,人工智能在与金融领域深度融合的过程中亦面临着新的应用风险。基于此,应立足于人工智能在金融领域的应用现状,分析探讨二者融合中出现的现实困境,从而有针对性地予以风险防范,以期构建金融发展的新秩序。The increasing maturity of artificial intelligence technology makes it more closely connected with various fields, and its application in the financial field also conforms to the trend of the times and achieves good efficiency. However, in the context of big data and the Internet, financial consumers, financial institutions and their regulatory bodies put forward higher requirements for the innovation and upgrading of the financial industry so it can be seen that intelligence has become an inevitable trend of the development of the financial industry. However, risks and opportunities coexist, and artificial intelligence also faces brand new application risks in the process of deep integration with the financial field. Based on the application status of artificial intelligence in the financial field, we should analyze and discuss the practical difficulties in the integration of the two so as to take targeted risk prevention, in order to build a new order of financial development.

关 键 词：人工智能 金融领域 应用风险 防范对策 大数据 

分 类 号：F832[经济管理—金融学] TP18[自动化与计算机技术—控制理论与控制工程]