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人工智能、大数据和区块链助力Fintech驱动金融机构资产端变革
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Topic: 人工智能、大数据和区块链助力Fintech驱动金融机构资产端变革 (Read 162 times)
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人工智能、大数据和区块链助力Fintech驱动金融机构资产端变革
April 07, 2017, 01:35:39 PM
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前不久的博鳌亚洲论坛2017年年会上,金融科技成为了关键词。从最初的学习、模仿到创新突破,在短短几年的时间内,中国涌现出很多金融科技(Fintech)领域的创新。作为新兴的科技金融从业者——互联网金融机构对科技智能又有何想法?
“人工智能+金融”受资本青睐
“这是人工智能的黄金时代,我希望人工智能投资的比例是我们总投资的近一半。”创新工场创始人李开复说。就在不久前,创新工场跟投了一单总金额达4.66亿元人民币的C轮融资。
李开复认为,人工智能会首先落地在数据最大、能最快产生价值的领域,而金融领域是人工智能应用最好的领域之一。
而上述完成C轮融资的智融集团创始人兼CEO焦可也认为,对于小额分散、高频、标准化程度较高的金融业务,人工智能有着天然优势。首先,机器可以处理海量数据,能大大提高服务效率;其次,机器学习速度极快,以人工智能为核心的模型可以实现高频次的优化迭代;再次,机器在反欺诈方面优势明显,大大提高了系统的安全性。
布局金融科技的显然不止一家。小牛金服也在推动金融科技全面落地,主要体现在信息高效安全、智能运维和人工智能等方面。如小牛资本旗下的金融科技公司牛鼎丰,借助人工智能进行金融情绪分析,对资金的流动性管理和自动资金匹配度进行深挖。小牛资本董事长彭铁表示,希望通过金融科技,把金融服务的环节分解和清晰化,从而优化商业模式,降低企业的运营成本。
中金甲子董事长梁国忠表示,相比于依托互联网和移动互联网技术的金融科技1.0阶段,金融科技2.0阶段表现出极强的“技术驱动”特征,在它的背后是人工智能、大数据分析和区块链等关键技术的助力。
金融科技驱动资产端变革
Fintech作为一个舶来品,为何让国内平台在业务发展中争相与之建立联系?
在焦可看来,人工智能为行业创新带来巨大能量。据其介绍,他们研发的以人工智能技术为核心的ICE风控技术,拥有超过1200个以上维度的有效特征、上百个机器学习模型及完成每周40次的模型迭代,每天处理亿万级的数据,可实现平均8秒的审核速度。
“金融科技驱动的资产是未来互联网金融发展的主要趋势。”小牛金服兼小牛在线CEO王洁凤说。作为拥有数十年银行从业经验的CEO,王洁凤认为,人力密集型的金融企业,必须通过Fintech来减轻包袱,将人力驱动转化为技术驱动,通过大数据、深度学习等科技手段降低企业运营成本,提升经营效益,同时,提高金融机构业务综合运营效率,更有效触达长尾市场。
“欧美市场由于金融体系相对成熟,所以留给金融科技的空间相对较少,但中国市场不同,还有大量未被传统金融覆盖的市场空间。因此,金融科技具有巨大的想象空间。”金砖资本董事总经理王湛说。
合规是生存的基本要素
然而,无论创新走多远,都不要忘了为何出发。
P2P网贷在经历了2016年的互联网金融监管后,又迎来了更为严格的强监管执行时代。今年2月16日,广东发布P2P备案登记细则,要求互联网金融企业需在4月30日前需完成备案登记。随后,2月23日,银监会发布了《网络借贷资金存管业务指引》,让银行资金存管成为P2P网贷平台合规发展最为核心的指标。每一个身处行业中心的平台以及平台人均瞄准监管最后时间点,加速监管合规的最后冲刺。
焦可表示,通过新金融技术进行服务升级,是为了更多人享受到金融服务,做好风控很重要。
王洁凤说:“合规是生存的基本要素,发展才是我们的目标。我们持续进行的FinTech改革主要聚焦于两个目标:对外提供更好的金融产品和服务,对内实现企业的高效运转,而最终的目标还是为了成为公众企业。”
3月18日,中国互联网金融协会公布了408家会员单位的名单。总体来看,会员单位大致可以归为三大类别:新兴互联网金融、传统金融机构的互联网化、互联网金融外围服务这三大类。进一步细分并汇总后,网贷平台的企业占比最高,达到26.47%,可见网贷公司数量在互联网金融中举足轻重的地位。占比第二位的是银行及信用社,占比为19.12%,从而可见传统金融机构发展互联网金融也是大势所趋。(金融时报-中国金融新闻网)
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