金融大脑2.0：当金融遇到可信人工智能

周俊; 陈超超; 李龙飞; 张志强; 郑小林

doi:10.1631/FITEE.2200039

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金融大脑2.0：当金融遇到可信人工智能

常规文章 | Updated：2022-12-16

- 金融大脑2.0：当金融遇到可信人工智能
- FinBrain 2.0: when finance meets trustworthy AI
- 信息与电子工程前沿（英文） 2022年23卷第12期页码：1747-1764
- Affiliations：
  
  1.College of Computer Science and Technology, Zhejiang University, Hangzhou 310027, China
  2.Ant Group, Hangzhou 310027, China
- Author bio：
  
  E-mail: jun.zhoujun@antfin.com;
  zjuccc@zju.edu.cn;
  longyao.llf@antfin.com;
  lingyao.zzq@antfin.com;
  ‡Corresponding author
- Funds：
  
  National Natural Science Foundation of China(62172362;72192823)
- DOI：10.1631/FITEE.2200039
  中图分类号： TP183
- 收稿：2022-01-30，
  
  录用：2022-08-03，
  
  网络出版：2022-09-30，
  
  纸质出版：2022-12-0
- Accepted：
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周俊, 陈超超, 李龙飞, 等. 金融大脑2.0：当金融遇到可信人工智能[J]. 信息与电子工程前沿（英文）, 2022,23(12):1747-1764.

Jun ZHOU, Chaochao CHEN, Longfei LI, et al. FinBrain 2.0: when finance meets trustworthy AI[J]. Frontiers of Information Technology & Electronic Engineering, 2022, 23(12): 1747-1764.
周俊, 陈超超, 李龙飞, 等. 金融大脑2.0：当金融遇到可信人工智能[J]. 信息与电子工程前沿（英文）, 2022,23(12):1747-1764. DOI： 10.1631/FITEE.2200039.

Jun ZHOU, Chaochao CHEN, Longfei LI, et al. FinBrain 2.0: when finance meets trustworthy AI[J]. Frontiers of Information Technology & Electronic Engineering, 2022, 23(12): 1747-1764. DOI： 10.1631/FITEE.2200039.

摘要

人工智能通过从数据中识别隐藏模式以提高金融决策质量，从而加速金融服务的发展。然而，除了通常需要的属性，如模型准确性，金融服务还需要可信赖的人工智能，但其属性尚未充分实现。这些可信人工智能的属性是可解释性、公平性和包容性、稳健性和安全性，以及隐私保护。在本文中，我们回顾人工智能应用于金融服务各领域的最新进展和局限性，包括风险管理、欺诈检测、财富管理、个性化服务和监管技术。基于这些进展和局限性，介绍了金融大脑2.0，一个走向可信人工智能的研究框架。我们认为，在金融服务中，我们离真正可信人工智能还有很长的路要走，并呼吁人工智能和金融业的社区一同努力。

Abstract

Artificial intelligence (AI) has accelerated the advancement of financial services by identifying hidden patterns from data to improve the quality of financial decisions. However

in addition to commonly desired attributes

such as model accuracy

financial services demand trustworthy AI with properties that have not been adequately realized. These properties of trustworthy AI are interpretability

fairness and inclusiveness

robustness and security

and privacy protection. Here

we review the recent progress and limitations of applying AI to various areas of financial services

including risk management

fraud detection

wealth management

personalized services

and regulatory technology. Based on these progress and limitations

we introduce FinBrain 2.0

a research framework toward trustworthy AI. We argue that we are still a long way from having a truly trustworthy AI in financial services and call for the communities of AI and financial industry to join in this effort.

关键词

Keywords

references

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