人工智能赋能金融行业：趋势与预测｜前瞻2026

Core Viewpoint - The integration of artificial intelligence (AI) and finance is reshaping the global economic landscape, with significant advancements expected by 2025, marking a transition from "digitalization" to "intelligentization" in the financial sector [4][10]. Policy Promotion of "AI + Finance" - The release of the "Implementation Plan for High-Quality Development of Digital Finance in the Banking and Insurance Industries" by the Financial Regulatory Bureau emphasizes the role of AI in driving innovation and enhancing data utilization within financial institutions [4]. - The plan encourages the construction of enterprise-level AI platforms and the exploration of cutting-edge technologies like quantum computing and blockchain in financial applications [4]. - The introduction of "AI+" signifies a shift from basic automation to intelligent systems capable of experiential learning, indicating the inevitable trend of AI technology empowering the financial industry [4]. Future Trends in "AI + Finance" - The "2026-2030 Financial Technology Industry Status and Future Development Trend Analysis Report" predicts a coexistence of "Matthew Effect" and "long-tail innovation," with leading platform institutions and specialized enterprises finding their ecological niches [6]. - The industry is expected to transition from "model innovation" and "scale expansion" to "deep empowerment" and "ecological integration," driven by the fusion of AI, privacy computing, blockchain, and IoT [6]. - Generative AI is anticipated to evolve from a content creation tool to a core business engine, participating in complex financial product design and dynamic risk pricing [6]. Insights from Experts - Experts highlight that China is at an advanced international level in "AI + Finance," leveraging AI to enhance the competitiveness of the financial sector and promote inclusive development [7]. - AI is seen as a "radar for innovation" in financial institutions, improving technological foresight and business judgment [7]. - The application of AI is expected to enhance cross-border financial convenience, exemplified by the "Bond Connect" initiative [7]. Banking Sector Developments - In the banking sector, AI is recognized as a crucial measure for innovation and development, particularly for small and medium-sized banks [8]. - The integration of data and AI into all business processes is yielding significant results in areas such as intelligent risk control and customer service [8]. - The combination of "data + AI" is identified as the core direction for the digital transformation of the banking industry [8]. Conclusion and Future Outlook - The "AI + Finance" sector is projected to experience comprehensive empowerment from AI large models, accelerated integration of cutting-edge technologies, and continuous enhancement of autonomous capabilities [10]. - AI is expected to become a core competency in finance, facilitating a transition from digital to intelligent service models [10]. - The future will see AI deeply involved in high-value processes such as credit approval, asset allocation, and risk management, while technologies like blockchain and quantum computing will drive financial technology upgrades [10].