高盛:AI有望通过收费业务增长和降本增效提升银行业收入

智通财经
Sep 23
【高盛:AI有望通过收费业务增长和降本增效提升银行业收入】高盛表示,人工智能整体上有望对银行业信用状况形成正面影响,主要通过两条路径体现:一是银行可从AI资本开支周期中获得投行和融资收入,包括顾问、承销、银团贷款、资产管理及项目融资;二是将AI用于内部自动化,提高运营效率并控制成本。高盛指出,美国银行在财报电话会上讨论AI资本开支的频率已高于非金融企业,反映数据中心等AI基础设施建设正在带来更多融资机会。美联储1月高级信贷官调查也显示,银行更愿意向预期受益于AI的企业放贷。高盛预计,如果传统银团贷款市场容量趋紧,银行可能进一步扩大对AI相关项目的直接融资规模。与此同时,AI相关融资需求已推动美元银行债发行增加,显示银行资产负债表正更多参与AI生态中的融资活动。

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