摘要
在银行业竞争日益激烈的背景下,服务质量已成为核心竞争力。大模型技术作为当前最先进的数字化手段之一,其凭借强大的数据处理、预测分析和智能决策能力,正深刻变革商业银行的服务模式。大模型技术在智能客服、信贷风险管理、智能办公等场景中展现出的独特价值,不仅助力银行提升运营效率和客户体验,更为其在市场竞争中提供了新优势。然而,在实际应用中,银行仍需面对不准确风险、系统性偏见、隐私安全和算力不足等问题,这些挑战严重影响了大模型的实际应用效果和银行的服务能力。本文通过对大模型技术在银行业应用现状的系统分析,探讨其在提升服务质量、优化业务流程中的作用,并针对当前存在的问题提出了切实可行的应对策略。本文旨在为商业银行在数字化转型中更好地利用大模型技术提供理论指导和实践建议。
In the context of increasingly fierce competition in the banking industry,service quality has become the core competitiveness,and big model technology,as one of the most advanced digital means,is profoundly transforming the service mode of commercial banks by virtue of its powerful data processing,predictive analysis and intelligent decision-making capabilities.Big model technology shows its unique value in intelligent customer service,credit risk management,intelligent office and other scenarios,which not only helps banks optimize operational efficiency and customer experience,but also provides them with new advantages in market competition.However,in practical application,banks still need to face the problems of inaccuracy risk,systematic bias,privacy security,and insufficient computing power,which seriously affect the practical application effect of big models and the service capability of banks.Through a systematic analysis of the current status of the application of big model technology in the banking industry,the article explores its role in improving service quality and optimizing business processes,and proposes practical strategies to address the existing problems.The study aims to provide theoretical guidance and practical suggestions for commercial banks to better utilize big model technology in digital transformation.
作者
施志晖
陆岷峰
SHI Zhihui;LU Minfeng(Financial Technology Lab of Jiangsu Merchant Bank,Nanjing 210003,China;Shanghai Institute of Science and Technology Finance,Shanghai University,Shanghai 200000,China)
出处
《金融经济》
2024年第11期34-45,56,共13页
Finance Economy
基金
国家社会科学基金一般项目“基于区块链技术的供应链金融共生融资模式与协同决策研究”(20BGL009)
国家社会科学基金一般项目“互联网金融市场跨界风险的协同监管长效机制与政策研究”(21BJY022)。
关键词
大模型技术
商业银行
智能化服务
风险管理
数据安全
Big model technology
Commercial banks
Intelligent services
Risk management
Data security
