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Intro -- Preface -- Acknowledgments -- Contents -- Chapter 1: FinTech Towards Intelligent Finance -- 1.1 The Rise of AI Finance -- 1.1.1 Global Trends in Artificial Intelligence Development -- 1.1.2 What is Intelligent Finance? -- 1.1.3 Features of Intelligent Finance -- 1.1.3.1 Self-Learning Intelligent Technology -- 1.1.3.2 Ecological Cooperation with Closed-Loop Data -- 1.1.3.3 Technology Driven Business Innovation -- 1.2 Application of Artificial Intelligence in the Financial Field -- 1.2.1 Improved Efficiency of Financial Transactions -- 1.2.2 Provision of Intelligent Financial Management Service -- 1.2.3 Development of a Disruptive Business Model for the Insurance Industry -- 1.2.4 Improved Customer Service Experience -- 1.2.5 Robotic Process Automation -- 1.2.6 Information Extraction and Compliance and Fraud Prevention Using Image Recognition -- 1.2.7 Improved Credit Scoring and Credit Loan Services -- 1.3 The Development Stages of FinTech in China -- 1.3.1 Computerized Financial Services -- 1.3.2 Financial Informatization -- 1.3.3 Internet Finance -- 1.3.4 Intelligent Finance -- 1.4 The Impact of Artificial Intelligence on the Financial Industry -- 1.4.1 Crowding Out Risks Introduced by Disruptive Technologies -- 1.4.2 Challenges to Data Security and Personal Privacy Protection -- 1.4.3 The Abuse of Facial Recognition Technology -- 1.4.4 Technical Risks Caused by Algorithm Black Box and Algorithm Discrimination -- 1.4.5 The Humanized Development of Artificial Intelligence -- Chapter 2: Scientific and Technological Supervision of Artificial Intelligence -- 2.1 The International Status of Artificial Intelligence Supervision -- 2.1.1 The USA-Guide by Framework and Legislate Normatively -- 2.1.2 The European Union-Rules First, Focus on the Protection of Human Rights.
2.1.2.1 The EU´s Objective in Artificial Intelligence: Assess Which Technologies Pose a Threat to Fundamental Human Rights -- 2.1.2.2 Chief Concern of the European Commission: Ethical Standards -- 2.1.2.3 European Commission Supervision of Artificial Intelligence: A Process of Continuous Exploration -- 2.1.2.4 The EU´s Existing Laws and Regulations on the Supervision of FinTech -- 2.1.3 The United Kingdom-Supervision Within the Framework of Laws and Guidelines -- 2.1.4 Canada-Lead by Strategies and Guide by Principles -- 2.1.4.1 Guiding Principles for Artificial Intelligence -- 2.1.4.2 List of Artificial Intelligence Suppliers -- 2.1.4.3 Algorithmic Impact Assessment (AIA) -- 2.1.4.4 Directive on Automated Decision-Making -- 2.1.4.5 Strategic Plan for Information Management and Information Technology 2017-2021 -- 2.1.5 Japan-Promote Development with Supervision and Focus on Employees´ Ethics -- 2.1.5.1 Unique Aspects in the Application of Artificial Intelligence in Japan -- 2.1.5.2 Japan´s Artificial Intelligence Society 5.0 -- 2.1.6 Hong Kong-Early Stages of Supervision and the Clarification of Basic Principles -- 2.1.7 Singapore-Guided by Plans and Extensive Cooperation -- 2.2 Development Background and Function of ``Artificial Intelligence + Financial Supervision´´ -- 2.2.1 Background Analysis of ``Artificial Intelligence + Financial Supervision´´ -- 2.2.2 The Role of ``Artificial Intelligence + Financial Supervision´´ -- 2.2.2.1 Provide Technical Solutions for Financial Regulatory Agencies to Reduce Regulatory Pressure and Costs -- 2.2.2.2 Deal Effectively with the Risks of ``Technology + Finance´´ -- 2.2.2.3 Give Birth to a New Industry -- 2.3 New Risks and New Challenges -- 2.3.1 Increased Complexity and Scope of Risk -- 2.3.2 Illegal Operation -- 2.3.3 Challenges for Financial Consumer Protection.
2.3.4 Insufficient Attention to Warning and Preventive Measures -- 2.3.5 Technical Risks and Data Risks -- 2.3.6 Regulatory Arbitrage -- 2.4 China´s Intelligent Financial Supervision Development Status -- 2.4.1 China Banking and Insurance Regulatory Commission Practice -- 2.4.2 China Securities Regulatory Commission Practice -- 2.4.3 Beijing´s Practice-``Beijing Financial Risk Control Cockpit´´ -- 2.4.4 Guangzhou, Xi ´an and Tianjin´s Practice- ``Ant Risk Brain´´ -- 2.4.5 Shenzhen´s Practice-``Lingkun Financial Security Big Data Platform´´ -- 2.4.6 Ningbo´s Practice- ``Tianluo Diwang´´ Financial Risk Monitoring and Control System -- 2.4.6.1 Risk Monitoring -- 2.4.6.2 Risk Early Warning -- 2.4.6.3 Risk Disposal -- 2.4.6.4 Institutional Supervision -- 2.4.6.5 Statistical Assessment -- 2.4.7 Analysis of Existing Problems in the Development Process of ``Artificial Intelligence + Financial Supervision´´ in China -- 2.4.7.1 Insufficient Planning -- 2.4.7.2 Lag in Development of Rules and Standards -- 2.4.7.3 Insufficient Overall Technical Ability -- 2.4.7.4 Risks Inherent in the Technology -- 2.4.7.5 Unbalanced Development and Application of Different Systems -- 2.5 Policy Suggestions on Artificial Intelligence Research and Development and Application in Financial Supervision -- 2.5.1 Understanding the Scope and Ability of ``Artificial Intelligence + Financial Supervision´´ -- 2.5.2 Formulating a Basic Rule System and Strengthening Standardization -- 2.5.3 Building a Risk Early Warning System, and Strengthening the Ability of Financial Regulatory Institutions to Prevent and ... -- 2.5.4 Monitoring the Business Behaviours of FinTech Suppliers -- 2.5.5 Grasping the New Challenges of Financial Consumer Protection -- 2.5.6 Enhancing International Cooperation -- Chapter 3: Technical Path of Artificial Intelligence Compliance Efficiency.
3.1 Development Status of CompTech -- 3.1.1 The Development Scale of CompTech -- 3.1.2 Application Scenarios of CompTech -- 3.2 Application of CompTech -- 3.2.1 Data Processing and Analysis, Optimization of Compliance Construction -- 3.2.2 Identity Verification and Management, Financial Crime Prevention -- 3.2.3 Compliance Review and Evaluation, Reduction of Compliance Costs -- 3.2.4 Risk Early Warning and Testing, Improved Prediction Ability -- 3.3 Challenges and Risks of CompTech -- 3.3.1 Limitations of the Algorithm Decision -- 3.3.2 Lack of Support System -- 3.3.3 Quality and Security of Data and Information -- 3.3.4 The Legal Risk of Liability Confirmation -- 3.3.5 Policy Suggestions for Promoting the Development of Compliance Technology -- 3.3.5.1 Regulatory Big Data Platform -- 3.3.5.2 Technical Management to Protect Consumer Rights and Interests -- 3.3.5.3 Coordinated Development of Compliance and Supervision -- 3.3.5.4 Unified Standards and Improved Supporting Guarantee Mechanism -- Chapter 4: Smart Payment in China -- 4.1 Application Mode of Smart Payment -- 4.1.1 Front-end Application Mode -- 4.1.1.1 Smart Account -- 4.1.1.2 Tools for Smart Payment -- 4.1.1.3 Smart Customer Service -- 4.1.2 Back-end Application Mode -- 4.1.2.1 Precise Service Provision -- 4.1.2.2 Intelligent Regulation -- 4.2 Application Scenario of Smart Payment -- 4.2.1 Application Scenario of AI Payment Abroad -- 4.2.1.1 Application Scenario of AI Payment Abroad in the Financial Industry -- 4.2.1.2 Multi-dimensional Application Scenario of AI Payment Abroad -- 4.2.2 Application Scenario of AI Payment in China -- 4.2.2.1 Application Scenario of AI Payment in China´s Financial Industry -- 4.2.2.2 Multi-dimensional Application Scenario of AI Payment in China -- 4.3 Strengths and Deficiencies of Smart Payment -- 4.3.1 Strengths of AI Payment.
4.3.1.1 Improves Payment Security -- 4.3.1.2 Improves Payment Efficiency -- 4.3.1.3 Optimizes Supply and Demand Matching -- 4.3.2 Deficiencies of AI Payment -- 4.3.2.1 Defective Laws and Regulations -- 4.3.2.2 Immature Products or Services -- 4.3.2.3 Ambiguous Regulatory Position -- 4.3.2.4 Insufficient Depth and Breadth of Technology Application -- 4.3.2.5 Unbalanced Reserve of Talents -- 4.4 Smart Payment Risks -- 4.4.1 Information Security Risk -- 4.4.2 Legal Risk -- 4.4.3 Technical Risk -- 4.4.4 Regulatory Risk -- 4.4.5 Systemic Risk -- 4.5 Policy Suggestions for Developing AI in Payment -- 4.5.1 Complete the Legal System -- 4.5.2 Stipulate Data Standard -- 4.5.3 Clarify Rights and Responsibility of Regulation -- 4.5.4 Optimize the Upgrade of AI Technology -- 4.5.5 Strengthen Security Assessment -- 4.5.6 Cultivate Inter-disciplinary Talent -- 4.5.7 Implement Protection Mechanism -- Chapter 5: Opportunities, Risks, and Breakdowns Brought by AI to Commercial Banks -- 5.1 Commercial Banks and Scientific and Technological Development -- 5.1.1 The Relationship Between Commercial Banks and Information Technology -- 5.1.2 Weak Spots of Commercial Bank Business -- 5.1.3 Digital Transformation of Commercial Banks -- 5.2 Application of AI in Commercial Banks -- 5.2.1 Motivation for Commercial Banks to Apply AI -- 5.2.2 Current Situation of AI Application in Commercial Banks -- 5.2.2.1 Intelligent Marketing -- 5.2.2.2 Intelligent Credit -- 5.2.2.3 Intelligent Customer Service -- 5.2.2.4 Intelligent Investment Advisor -- 5.2.2.5 Intelligent Operation -- 5.2.2.6 Intelligent Risk Control -- 5.2.3 The Positive Effect of AI Application in Commercial Banks -- 5.2.4 Potential Risks of AI Application in Commercial Banks -- 5.2.4.1 Traditional Financial Risk -- 5.2.4.2 Information Technology Risk -- 5.2.4.3 Data Leakage Risk -- 5.2.4.4 Market Monopoly Risk.
5.2.4.5 Network Attack Risk.
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Artificial financial intelligence in China / / Dawei Zhao, Wenting Zhang
