标准普尔:银行对人工智能的应用将很快影响它们信用评级

格隆汇
16 hours ago
标普全球评级周一在一份报告中表示,未来几年,银行对人工智能(AI)的使用将越来越影响其信用评级。这家信用评级机构表示,银行最终受益还是受损将取决于其AI战略的成熟度以及治理框架的稳健程度。标普称:“各银行在采用AI的速度、治理成熟度和运营准备程度方面存在差异,这意味着未来几年,AI将越来越成为强化或削弱金融机构信用资质的因素。”标普6月对全球179家金融机构进行调查。受访机构预计,今年AI可帮助削减最多4%的成本,到2028年这一幅度将扩大至6%-8%。约84%的机构表示,目前已将AI用于支持业务职能和自动化。由于监管和声誉风险,不到三分之一的机构表示使用AI开发新产品和服务。

Disclaimer: Investing carries risk. This is not financial advice. The above content should not be regarded as an offer, recommendation, or solicitation on acquiring or disposing of any financial products, any associated discussions, comments, or posts by author or other users should not be considered as such either. It is solely for general information purpose only, which does not consider your own investment objectives, financial situations or needs. TTM assumes no responsibility or warranty for the accuracy and completeness of the information, investors should do their own research and may seek professional advice before investing.

Most Discussed

  1. 1
     
     
     
     
  2. 2
     
     
     
     
  3. 3
     
     
     
     
  4. 4
     
     
     
     
  5. 5
     
     
     
     
  6. 6
     
     
     
     
  7. 7
     
     
     
     
  8. 8
     
     
     
     
  9. 9
     
     
     
     
  10. 10