金融要与人工智能双向奔赴、深度融合

Core Viewpoint - The State Council has issued the "Opinions on Deepening the Implementation of 'Artificial Intelligence+' Action," aiming to promote the deep integration of artificial intelligence with various sectors of the economy and society [1] Financial Support for AI - The "Opinions" emphasize the importance of financial support for the artificial intelligence industry, recognizing that financial resources are essential for "Artificial Intelligence+" enterprises to thrive [2] - Financial institutions such as banks, insurance companies, and funds are expected to provide diverse financial tools like loans, leasing, and equity investments to meet the funding needs of AI companies [2] - The construction of an AI ecosystem, including specialized parks and talent cultivation, requires significant funding, which financial institutions can facilitate through resource integration [2] Risk Management Mechanisms - The development of mature risk-sharing mechanisms is crucial for enabling financial support for the AI sector, given the rapid technological changes and market volatility [2] - Insurance products tailored for technology research and intellectual property can help mitigate financial risks for AI companies [2] - The government may establish risk compensation funds to encourage financial institutions to invest in the AI sector by providing risk compensation for loans and investments [2] Adoption of AI in Financial Institutions - Financial institutions are actively embracing artificial intelligence to analyze vast amounts of financial data in real-time, improving risk identification and reducing non-performing loan rates [3] - AI applications in customer service, such as intelligent customer service and investment advisory, significantly enhance service efficiency and customer satisfaction [3] - Financial institutions are encouraged to innovate products and services while the government should optimize the financial ecosystem to promote the deep integration of finance and AI [3]