دانلود رایگان مقاله انگلیسی برخی از مفاهیم مالی نظارتی هوش مصنوعی - الزویر 2018

عنوان فارسی
برخی از مفاهیم مالی نظارتی هوش مصنوعی
عنوان انگلیسی
Some financial regulatory implications of artificial intelligence
صفحات مقاله فارسی
0
صفحات مقاله انگلیسی
27
سال انتشار
2018
نشریه
الزویر - Elsevier
فرمت مقاله انگلیسی
PDF
نوع مقاله
ISI
نوع نگارش
مقالات پژوهشی (تحقیقاتی)
رفرنس
دارد
پایگاه
اسکوپوس
کد محصول
E10200
رشته های مرتبط با این مقاله
مهندسی کامپیوتر
گرایش های مرتبط با این مقاله
هوش مصنوعی
مجله
مجله اقتصاد و تجارت - Journal of Economics and Business
دانشگاه
Federal Reserve Bank of Atlanta - United States
doi یا شناسه دیجیتال
https://doi.org/10.1016/j.jeconbus.2018.05.003
معرفی

Introduction


Andrew Ng recently compared the transformative power of artificial intelligence (AI) to that of electricity saying “Just as electricity transformed almost everything 100 years ago, today I actually have a hard time thinking of an industry that I don’t think AI will transform in the next several years.”1 Although Ng’s timescale may be a bit optimistic, those who have studied recent developments in AI generally agree that it will have a transformative effect on a wide variety of industries. Techniques developed in machine learning (ML), a subfield of AI, recently achieved considerable public attention with their success in playing the games Go (Hassabis, 2016) and Poker (Condliffe, 2017). Moreover, ML is being used in large-scale production processes such as Amazon’s voice recognition, Google’s search engines and Netflix’s movie recommendations. One industry that has attracted considerable interest and is in the early stages of being transformed is the financial services industry. Indeed, Economist (2017) recently proclaimed, “Machine-learning promises to shake up large swathes of finance.” The transformations induced by AI and especially ML are also likely to have implications for financial supervisors concerned about the conduct and/or the prudent operation of financial firms. At a minimum, supervisors will need to take account of the opportunities for enhanced compliance and safety created by AI, as well as be aware of the ways that AI could be used undermine the goals of existing regulation. However, ideally the development of AI will do more than just challenge the supervisors to keep up with industry; it will also create opportunities for supervisors to more efficiently and effectively deploy their resources to accomplish their missions.

نتیجه گیری

Conclusion


The rapid development and employment of AI techniques has the potential to transform the financial services industry along with many sectors in the real economy. To the extent this potential is realized, AI will have substantial implications for financial conduct and prudential supervisors. Moreover, AI has the potential to help supervisors identify potential violations and help regulators better anticipate the impact of changes in regulation.


بدون دیدگاه