华泰证券：AI正从外围辅助向金融机构核心业务渗透 金融机构需主导核心场景创新

Core Insights - The integration of AI technology is becoming a critical path for the development of the financial industry, with a shift from peripheral assistance to core business applications [1] - Global leading financial institutions are moving towards deep applications of AI in core areas such as trading and risk management, rather than just peripheral tasks like email writing [3][4] - Despite the high deployment of AI, penetration in core business scenarios remains low, with significant barriers to breakthrough [3][4] AI Application Trends - AI applications in the financial sector are primarily focused on knowledge management (49%), accounts payable automation (37%), and error detection (34%), with low penetration in trading and risk pricing [3] - The challenges in penetrating core scenarios are attributed to the limitations of general AI, which can lead to systemic risks in financial transactions and risk management [4] - The lack of high-quality, sensitive data and deep industry knowledge within financial institutions hinders the effective training of AI models [4] Role of Financial Institutions - Financial institutions need to take the lead in innovating core AI scenarios, while technology companies focus on infrastructure and general scenario development [5] - Huatai Securities has adopted an "All in AI" strategy, aiming for deep integration of financial logic and AI [6] Huatai Securities' Approach - Huatai is addressing the core barriers of "data and cognition" by initiating a systematic construction project to integrate data across departments and systems [6] - The company employs a layered model training approach, using specialized models for high-stakes scenarios like trading and larger models for complex analyses [6] - Huatai is building a "self-controlled, diversified" computing power platform to meet the high demands of core business scenarios [7] AI Governance and Risk Management - The launch of "AI Zhangle" represents a new paradigm in trading experience, emphasizing user interaction and product design [8] - The financial industry must establish a unified AI governance framework to manage model risks and ensure safe and reliable applications, especially in decision-making and trading scenarios [9] - Huatai is committed to collaborating with the industry to build AI governance standards and promote the democratization of intelligent technology within a compliance framework [9]