十五五规划纲要出炉 | 金融企业如何跨越“数据+AI”的转型鸿沟？

Core Viewpoint - The article emphasizes the importance of digital and intelligent transformation in the financial industry as outlined in the 14th Five-Year Plan, highlighting the shift towards an era where artificial intelligence (AI) becomes the core system driving key financial processes such as risk control, investment research, and marketing [1]. Group 1: AI-Driven Scientific and Technological Development - Accelerate the exploration of AI-driven new research paradigms and technology development models, promoting the application of large scientific models and building intelligent research platforms [3]. - Strengthen the collaboration between AI and fields such as quantum technology, life sciences, new materials, new energy, and 6G [3]. Group 2: AI in Industry Development - Promote the application of AI across all stages of industrial design, production, and operations, particularly in energy systems and logistics [3]. - Encourage the widespread use of intelligent terminals and agents in service sectors like biological breeding and logistics [3]. Group 3: AI for Consumer Quality Improvement - Develop efficiency-enhancing and companion-type intelligent applications, including new generations of AI smartphones and computers [3]. - Explore new forms of intelligent products and expand intelligent service consumption scenarios [3]. Group 4: AI for Public Welfare - Innovate teaching models with intelligent companions and teachers, enhancing personalized learning and smart tutoring applications [3]. - Promote high-level health assistants and expand the application of intelligent diagnostic aids in grassroots medical institutions [3]. Group 5: AI in Governance - Enhance the application of AI in comprehensive market regulation, safety production supervision, disaster prevention, and ecological protection [4]. - Explore the construction of a collaborative safety governance system involving natural persons, digital entities, and intelligent robots [4]. Group 6: Global Cooperation in AI - Promote the establishment of a global AI cooperation organization and a multilateral cooperation platform for AI along the Belt and Road [4]. - Accelerate the development of a globally open open-source technology system and community ecology [4]. Group 7: Infrastructure for AI Development - The plan emphasizes the need for a robust foundation for financial digitalization, focusing on the efficient supply of computing power, algorithms, and data [5]. - Propose the construction of a market-oriented operation for computing power facilities to meet demand through various innovative methods [5]. Group 8: Talent and Skills Gap - The financial sector faces challenges in transforming due to gaps in understanding and skills among management regarding new concepts like intelligent economy and trustworthy data spaces [15]. - The lack of composite talents who understand both financial business logic and AI engineering is a significant bottleneck for transformation [15]. Group 9: Challenges in Scene Implementation - Despite encouragement for new intelligent models, the practical application of AI in complex tasks remains challenging, requiring organizational process reengineering [16]. - Many institutions struggle to utilize advanced computing power and services due to a lack of skilled personnel, leading to underutilization of technology [16]. Group 10: Strategic Mission for Financial Sector - The financial industry is tasked with a new strategic mission to develop technology finance, green finance, inclusive finance, and digital finance, aligning with technological innovation [14]. - The plan emphasizes the need for a financial system that adapts to technological innovation [14].