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银行征信风控市场巨大

作者:admin  日期:2018-10-29 14:24  人气:
人们对于AI(人工智能)的讨论热度持续不减,市场也在寻求AI在细分领域的场景应用——金融被认为是风口之一。
 
Discussions about AI continue to heat up, and the market is looking for scenarios where AI can be used in subdivisions - finance is considered one of the mouthpieces.
 
 
 
中国的人工智能产业仅次于美国,处于新生的快速发展时期。中国互联网络信息中心今年初的报告显示,截至2017年6月,全球人工智能企业达2542家,其中美国1078家,占42%;中国紧随其后,有592家,占23%。中美两国人工智能企业相差486家。
 
China's AI industry is second only to the United States, and is in the new period of rapid development. The China Internet Network Information Center reported earlier this year that as of June 2017, there were 2,542 AI enterprises worldwide, including 1,078 in the United States, accounting for 42 percent, followed by 592 in China, accounting for 23 percent. There are 486 differences between Chinese and American AI enterprises.
 
 
 
 
 
AI产业近几年开始关注对金融的赋能,而AI也被认为是金融创新的新起点。这种相互默认的共识催生了一批专注金融赋能的人工智能创业公司。同时,京东等传统互联网公司也开始入局。“国内的AI金融领域,应该说是处于萌芽到快速发展的阶段。有一些公司进入这个领域,但是远没有出现行业颠覆者。”松鼠山科技创始人兼CEO郑博认为,人工智能在金融行业的应用落地,将成为一个科技制高点。郑博从美国卡内基梅隆大学计算机学院毕业后,在匹兹堡一家数据公司做过系统架构师,2014年归国创立松鼠山科技公司。
 
AI industry has begun to pay attention to financial empowerment in recent years, and AI is also regarded as a new starting point for financial innovation. This mutual default consensus has led to a group of artificial intelligence start-ups focusing on financial empowerment. At the same time, Jingdong and other traditional Internet Co also began to enter. "The AI financial field in China should be at the stage of budding to rapid development. There are some companies entering this field, but there is no industry subversion. " Zheng Bo, founder and CEO of Squirrel Mountain Science and Technology, believes that the application of artificial intelligence in the financial industry will become a technological commanding height. After graduating from the School of Computer Science at Carnegie Mellon University in the United States, Zheng worked as a system architect for a data company in Pittsburgh and returned to China in 2014 to establish Squirrel Hill Technologies.
 
 
 
8月27日,松鼠山科技宣布完成数千万人民币Pre-A轮融资,投资方为五岳资本。
 
On August 27, Squirrel Hill Technologies announced the completion of a tens of millions of yuan Pre-A round of financing, with investors in Wuyue Capital.
 
 
 
郑博接受经济观察报采访时说,商业银行的征信、风控业务趋严,将给金融科技带来巨大市场。按照目前披露的数据推算,金融风控方面未来市场规模将高达4000亿-5000亿元;而金融科技行业的市场规模则大概在2000亿至3000亿之间。细分到人工智能领域,每年至少有300亿至400亿的规模,年复合增长速度也在20%以上。
 
In an interview with the Economic Observer, Zheng Bo said that the tightening credit reporting and wind control business of commercial banks will bring huge market to financial technology. According to the data currently disclosed, the future market size of financial wind control will be as high as 400 billion to 500 billion yuan, while the market size of the financial technology industry will be between 20 billion and 300 billion yuan. Subdivided into the field of artificial intelligence, each year at least 30 billion to 40 billion scale, the annual compound growth rate is more than 20%.
 
 
 
AI渗入金融行业
 
AI penetrated into the financial sector
 
 
 
目前,金融行业在技术升级条件下加速变革,新的需求层出不穷,行业机构需要更快速的响应,金融行业运营面临挑战。
 
At present, the financial industry is accelerating the transformation under the condition of technological upgrading, new demands emerge in endlessly, the industry needs a faster response, and the operation of the financial industry is facing challenges.
 
 
 
一方面,金融机构自身在加大科技领域投入,工商银行、招商银行等商业银行有许多技术储备;另一方面,越来越多的银行、保险公司等传统金融机构开始和金融科技企业牵手合作。一些人工智能供应商与大型金融机构密切合作,开发工具来帮助它们对资本市场业务进行建模,以限制场景分析中用于损失违约率(LGD)和违约概率模型(PDM)的变量数量。
 
On the one hand, financial institutions have invested more in the field of science and technology. Commercial banks such as ICBC and China Merchants Bank have a lot of technology reserves. On the other hand, more and more traditional financial institutions such as banks and insurance companies have begun to cooperate with financial technology enterprises hand in hand. Some AI vendors work closely with large financial institutions to develop tools to help them model capital market operations to limit the number of variables used in scenario analysis for loss default rate (LGD) and probability of default model (PDM).
 
 
 
松鼠山科技联合创始人、CTO梁栋告诉经济观察报,数字公司的优势是科研能力和专业化。人工智能的构建基础是数据,自动化的数据处理能力能更好地构建应用服务。在金融行业的应用中,数据、算法与行业场景缺一不可。
 
CTO Liang Dong, co-founder of Squirrel Hill Technologies, told the Economic Observer that digital companies have the advantage of research capability and specialization. Artificial intelligence is based on data, and automated data processing capabilities can better build application services. In the application of financial industry, data, algorithm and industry scene are indispensable.
 
 
 
松鼠山科技运用大数据及人工智能相关技术服务于以银行业、保险业与基金业为主的金融行业,致力于以人工智能推动各金融垂直场景的赋能。郑博说,松鼠山科技的核心竞争力来源于前沿扎实的科研能力和传统金融的深厚经验。松鼠山科技支持的场景包括风险前置、贷中风控、信贷反欺诈、智能营销、车险反欺诈等。其主要产品Martrix和Simon使用知识图谱对公业务风控和车险反欺诈,满足了金融机构在当下互联网时代的发展需求。
 
Squirrel Hill technology uses big data and artificial intelligence technology to serve the banking, insurance and fund industries as the main financial industry, committed to artificial intelligence to promote the ability of various financial vertical scenes. Zheng Bo said that the core competitiveness of squirrel mountain science and technology comes from the solid scientific research capability of the frontier and the profound experience of traditional finance. Scenes supported by Squirrel Hill Technology include risk pre-positioning, credit stroke control, credit anti-fraud, intelligent marketing, car insurance anti-fraud, etc. Its main products, Martrix and Simon, use knowledge maps for business wind control and car insurance anti-fraud to meet the development needs of financial institutions in the current Internet era.
 
 
 
行业内,部分AI金融科技公司有自己的研发平台。例如中科博宏与中科院专家合作;松鼠山科技与哈尔滨工业大学成立哈工大-松鼠山智能金融联合实验室,目前在金融行业知识图谱领域已有多项专利布局。
 
In the industry, some AI financial technology companies have their own R & D platform. For example, China Science Bohong cooperates with experts from the Chinese Academy of Sciences; Squirrel Hill Science and Technology and Harbin University of Technology set up the Harbin University of Technology-Squirrel Hill Intelligent Finance Laboratory, which has a number of patents in the field of financial industry knowledge mapping.

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