摘要
人工智能技术与思维可为经济风险管理提供新思路,主要应用于信用风险评估、投资风险管理、财务风险预测、市场风险预测与金融风险预测等领域,这一管理模型由风险分析-风险预测-风险代理-风险模拟-风险决策五要素构成。虽然人工智能技术本身还并不成熟,但能很好地弥补人类对经济风险复杂性、多元性、巨量性和易变性等分析的不足。通过分析百度公司、用钱宝公司、新加坡华侨银行、万事达卡等国内外机构运用人工智能进行经济风险管理的实践,可发现它在预防经济风险方面的独特优势和某些缺陷。人工智能这一跨学科管理工具的成效正得到越来越广泛的社会肯定,成为实践和研究的新趋势。
The technology and thinking of artificial intelligence can provide new ideas for economic risk management,a management model consisting of five elements:risk analysis,risk prediction,risk agency,risk simulation,and risk decision,and mainly applied in the fields such as credit risk assessment,portfolio risk,financial risk prediction,market risk prediction,and financial risk prediction.Although the technology of artificial intelligence itself has been not mature,it can well make up for the lack of human analysis of the complexity,diversity,volume,and mutability of economic risks.By analyzing the practical cases at home and abroad where artificial intelligence has been applied to the economic risk management,such as Baidu,Yongqianbao,the OCBC Bank Singapore,MasterCard,we can find its unique advantages and some defects in preventing economic risks.
出处
《北京行政学院学报》
CSSCI
北大核心
2020年第4期85-92,共8页
Journal of Beijing administration institute
基金
国家社会科学基金重点项目(19ASH009)。
关键词
人工智能
经济风险
风险管理
人工神经网络
机器学习
artificial intelligence
economic risk
risk management
artificial neural network
machine learning
