生成式人工智能在金融领域的前沿进展  

Cutting-edge Advances in Generative Artificial Intelligence in Finance

作　　者：汪勇 Wang Yong(Institute of Fiance and Banking,Chinese Academy of Social Sciences,Beijing 100710,China)

机构地区：[1]中国社会科学院金融研究所,北京100710

出　　处：《东方论坛—青岛大学学报(社会科学版)》2025年第2期43-53,共11页Eastern Forum(JOURNAL OF QINGDAO UNIVERSITY)

基　　金：中国社会科学院数据库专项“金融科技发展指数及数据库建设”(2024SJK012)的阶段性成果。

摘　　要：近年来生成式人工智能快速发展,在金融领域的应用日益广泛和深入。系统梳理生成式人工智能的概念、基本原理及其在金融领域的应用后发现,生成式人工智能在金融机构的客服、营销、投顾、风控等业务中已有较多应用。对比中美来看,美国因成熟产业生态和先发技术优势领先,但中国凭借政策支持、垂直场景及以DeepSeek为代表的技术突破,正加速缩小差距,形成差异化竞争力。进一步地,深入分析了生成式人工智能促进金融创新的内在机理,并探讨了生成式人工智能威胁金融稳定的潜在机制。最后,提出推动生成式人工智能更好赋能金融发展的政策建议。In recent years,the rapid development of generative artificial intelligence has led to its increasingly widespread and in-depth applications in the financial field.This paper systematically elaborates on the concept,basic principles,and applications of generative artificial intelligence in the financial sector.It finds that generative artificial intelligence has been widely applied in various business areas of financial institutions,including customer service,marketing,investment advisory service,and risk management.However,a comparison between China and the U.S.reveals that America maintains its lead due to a mature industrial ecosystem and first-mover technological advantages.However,China is rapidly narrowing the gap by leveraging policy support,vertical-specific scenarios,and technological breakthroughs exemplified by Deepseek,thereby developing differentiated competitive strengths.Furthermore,this paper delves into the inherent mechanisms of generative artificial intelligence in promoting financial innovation,and discusses the potential mechanisms by which generative artificial intelligence may threaten financial stability.Lastly,it puts forward policy recommendations to better empower financial development through the promotion of generative artificial intelligence.

关 键 词：生成式人工智能 金融大模型 信息不对称 交易成本 

分 类 号：F830[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]