毕马威中国：人工智能在金融应用场景不断拓展深化

Core Insights - The report highlights the expanding and deepening application of artificial intelligence (AI) in the banking sector, transforming business processes from front-end services to back-end operations, leading to unprecedented efficiency and innovation breakthroughs [1] - The concept of "AI+" is driving financial services towards intelligent and precise transformations, emphasizing the importance of financial innovation in connecting the value chain between industry and consumers for high-quality economic development [1] - Chinese banks are at the forefront of implementing large models, with applications rapidly extending from state-owned banks to leading regional banks [1] Group 1: AI Applications in Banking - AI applications are enhancing front-end services such as intelligent investment advisory and product consultation, as well as back-end operations like intelligent anti-money laundering and regulatory compliance [1] - The transformation is characterized by human-machine collaboration, which is crucial for improving operational efficiency and fostering innovation [1] Group 2: Data Management and Regulatory Implications - The core competitive advantage of AI applications is shifting towards "data refinement" and "data collaboration," enhancing data value density through the construction of domain knowledge graphs [2] - The impact of AI on financial stability has become a significant global regulatory issue, prompting domestic regulatory bodies to integrate into the global capital regulatory framework [2] - Banks are increasingly focusing on building financial risk model systems and improving model risk management frameworks, ensuring a closed-loop information support platform for model development and business application teams [2] Group 3: Future Outlook and Challenges - By 2025, more banks are expected to actively embrace AI and explore its application potential across various fields [2] - The adoption of new technologies brings challenges related to data security, model governance, ethical compliance, and talent skill upgrades, necessitating the establishment of comprehensive governance frameworks and risk prevention mechanisms [2]