摘要
随着人工智能生成内容技术的快速发展,智能投顾作为金融科技领域的重要应用,正在全球范围内迅速崛起。本文基于文献研究法和市场调研法,深入分析了中国智能投顾产业的发展现状、市场需求、AI大模型技术在应用中遇到的挑战及应对举措。研究发现,尽管中国智能投顾市场仍处于初级阶段,但在居民财富增长、理财需求上升及金融产品多样化的推动下,智能投顾市场潜力巨大。AI大模型技术的引入显著提升了智能投顾的个性化服务能力和决策效率,但同时也带来了数据合规、法律监管框架及技术应用等方面的挑战。为确保智能投顾的安全合规落地,本文提出了加强数据信息合规管理、完善法律法规框架及优化AI大模型技术等应对举措。
With the rapid development of generative AI technology,robo-advisory is rapidly emerging globally as an important application in the field of financial technology.Based on the literature research method and market research method,this paper thoroughly analyses the current development status,market demand,challenges and corresponding solutions of robo-advisory industry in China.The study finds that although the robo-advisory industry in China is under developed,it has huge market potential driven by the growth in personal wealth,rising demand for wealth management and diversification of financial products.The introduction of generative AI technology significantly improves the personalized service capability and decision-making efficiency of robo-advisory,but also brings challenges in terms of data compliance,legal and regulatory frameworks and technology application.In order to ensure the safety and compliance of robo-advisory industry,this paper proposes to strengthen the data and information protection,improve the legal and regulatory framework,optimize the big model and other countermeasures.
作者
李艺轩
庞羽珊
李诗涵
Li Yixuan;Pong Yushan;Li Shihan(Digital Finance Committee of the China Computer Federation,Shanghai 200000,China;Faculty of Social Sciences,The University of Hong Kong,Hong Kong SAR 999079,China;School of Financial Technology,Shanghai Lixin University of Accounting and Finance,Shanghai 200000,China)
出处
《金融理论探索》
2025年第3期51-59,共9页
Exploration of Financial Theory
基金
上海市哲学社会科学规划课题“数字金融赋能上海城市创新的路径与对策研究”(2023BCK010)。
