{"id":892,"date":"2019-10-29T10:00:00","date_gmt":"2019-10-29T02:00:00","guid":{"rendered":"https:\/\/www.finmonster.com\/blog\/?p=892"},"modified":"2020-02-12T18:17:39","modified_gmt":"2020-02-12T10:17:39","slug":"%e4%bc%81%e4%b8%9a%e9%93%b6%e8%a1%8c%e6%95%b0%e7%a0%81%e5%8c%96%e9%9d%a9%e5%91%bd","status":"publish","type":"post","link":"https:\/\/www.finmonster.com\/blog\/2019\/10\/29\/%e4%bc%81%e4%b8%9a%e9%93%b6%e8%a1%8c%e6%95%b0%e7%a0%81%e5%8c%96%e9%9d%a9%e5%91%bd\/","title":{"rendered":"\u91d1\u878d\u79d1\u6280\u7684\u5d1b\u8d77\u2014\u2014\u5371\u673a\u6291\u6216\u673a\u9047\uff1f (\u4e00) 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Intelligence)\u3001\u673a\u5668\u5b66\u4e60(Machine Learning)\u548c\u5927\u6570\u636e(Big Data)\u53bb\u63d0\u4f9b\u524d\u53f0\u548c\u540e\u53f0\u670d\u52a1\uff0c\u4ee5\u6c42\u63d0\u5347\u8fd0\u8425\u6548\u7387\u3001\u670d\u52a1\u7d20\u8d28\u3001\u98ce\u9669\u7ba1\u7406\u80fd\u529b\u3002\u4f8b\u5982<a rel=\"noreferrer noopener\" aria-label=\"\u82b1\u65d7\u94f6\u884c\u4e0e\u91d1\u878d\u79d1\u6280\u516c\u53f8HighRadius (opens in a new tab)\" href=\"https:\/\/www.highradius.com\/news\/citi-partners-with-fintech-highradius-to-launch-citi-smart-match-powered-by-artificial-intelligence-and-machine-learning\/\" target=\"_blank\">\u82b1\u65d7\u94f6\u884c\u4e0e\u91d1\u878d\u79d1\u6280\u516c\u53f8HighRadius<\/a>\u5408\u4f5c\uff0c\u5229\u7528AI\u548cML\u5b9e\u884c\u73b0\u91d1\u7ba1\u7406\u6d41\u7a0b\u81ea\u52a8\u5316\uff0c\u5c06\u672a\u7ed3\u6e05\u7684\u53d1\u7968\u4e0e\u6536\u5230\u7684\u4ed8\u6b3e\u8fdb\u884c\u5339\u914d\uff0c\u7b80\u5316\u516c\u53f8\u5ba2\u6237\u7684\u5e94\u6536\u548c\u5e94\u4ed8\u5e10\u6b3e\u6d41\u7a0b\uff0c\u4ee5\u63d0\u9ad8\u4f01\u4e1a\u5ba2\u6237\u7684\u6548\u7387\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3>\u7b2c\u4e09\u4e2a\u8d8b\u52bf\uff1a\u65b0\u9896\u7684\u8d37\u6b3e\u6a21\u5f0f<\/h3>\n\n\n\n<p><br> \u94f6\u884c\u4e00\u822c\u53ea\u5411\u4fe1\u8a89\u5ea6\u9ad8\u7684\u5c0f\u578b\u4f01\u4e1a\u63d0\u4f9b\u8d37\u6b3e\u670d\u52a1\uff0c\u800c\u4ed6\u4eec\u53c8\u666e\u904d\u91c7\u7528\u76f8\u540c\u7684\u5de5\u4f5c\u6d41\u7a0b\u548c\u8d44\u6e90\u5904\u7406\u8d37\u6b3e\uff0c\u4f7f\u5f97\u5c0f\u578b\u4f01\u4e1a\u8d37\u6b3e\u6210\u672c\u9ad8\u6602\u3002\u7136\u800c\uff0c\u968f\u79d1\u6280\u53d1\u5c55\uff0c\u4f20\u7edf\u7684\u4e2d\u5c0f\u4f01\u4e1a\u8d37\u6b3e\u6d41\u7a0b\u9010\u6e10\u88ab\u4f01\u4e1a\u8d37\u6b3e\u5e73\u53f0\u53d6\u4ee3\u3002\u73b0\u65f6\u65b0\u5174\u7684\u4f01\u4e1a\u8d37\u6b3e\u5e73\u53f0\u4e00\u6b65\u6b65\u6539\u53d8\u4e86\u94f6\u884c\u5728\u4ef7\u683c\u548c\u501f\u6b3e\u4eba\u7684\u4f20\u7edf\u8981\u6c42\u3002\u8fd9\u5f97\u76ca\u4e8e\u73b0\u65f6\u5f00\u653e\u94f6\u884c (Open Banking Initiative)\u7684\u6709\u5229\u6cd5\u89c4\uff0c\u4f8b\u5982\u6b27\u76df\u652f\u4ed8\u670d\u52a1\u6307\u4ee4\u4fee\u6b63\u6848(PSD2)\u63a8\u5e7f\u4e86\u6570\u636e\u5171\u4eab\uff0c\u800c\u5176\u4e2d\u91d1\u878d\u79d1\u6280\u5e73\u53f0\u53ef\u4ee5\u5229\u7528\u6b64\u6570\u636e\u8fdb\u4e00\u6b65\u786e\u5b9a\u4f01\u4e1a\u7684\u4fe1\u7528\u5ea6\u3002\u5728\u7f8e\u56fd\uff0cLending Club\u57282006\u5e74\u5f00\u59cb\u8d37\u6b3e\u5e73\u53f0\uff0c\u73b0\u4eca\u5df2\u6709\u8d85\u8fc7200\u4e2a\u4e0d\u540c\u8d37\u6b3e\u5e73\u53f0\u3002\u5168\u7f8e\u6700\u5927\u7535\u5546Amazon\u4e3a\u5546\u6237\u63d0\u4f9b\u7531\u7f8e\u51431,000\u81f375\u4e07\u7684\u878d\u8d44\uff0c\u4ece2011\u5e74\u8d77\u81f3\u4eca\u5df2\u8d37\u51fa\u7f8e\u514330\u4ebf\u534f\u52a9\u4e00\u4f17\u4e2d\u5c0f\u5fae\u4f01\u3002<\/p>\n\n\n\n<h3>\u9769\u547d\u6210\u529f\u7684\u4f8b\u5b50<\/h3>\n\n\n\n<p>\u4e00\u7897\u6ce1\u9762\u7684\u65f6\u95f4 \uff0c\u5fae\u578b\u4f01\u4e1a\u5c31\u53ef\u4ee5\u5728\u4e2d\u56fd\u7684\u865a\u62df\u94f6\u884cMyBank\u83b7\u5f97\u8d37\u6b3e\u3002\u7535\u5b50\u5546\u52a1\u5de8\u5934\u963f\u91cc\u5df4\u5df4\uff08Alibaba\uff09\u548c\u4e92\u8054\u7f51\u5de8\u5934\u817e\u8baf\u63a7\u80a1\uff08Tencent Holdings\uff09\u4e8e2015\u5e746\u6708\u521b\u7acb\u7684<a href=\"https:\/\/www.bloomberg.com\/news\/articles\/2019-07-28\/jack-ma-s-290-billion-loan-machine-is-changing-chinese-banking\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"\u7f51\u5546\u94f6\u884c(MYBank) (opens in a new tab)\">\u7f51\u5546\u94f6\u884c(MYBank)<\/a>\uff0c\u6b63\u662f\u91d1\u878d\u79d1\u6280\u9769\u547d\u4e0b\u7684\u4ea7\u7269\u3002 MYBank\u5145\u5206\u5c55\u73b0\u4e0a\u8ff0\u5927\u4e09\u8d8b\u52bf\u2014\u2014\u81f4\u529b\u6570\u5b57\u5316\u8f6c\u578b\u3001\u5168\u9762\u4eba\u5de5\u667a\u80fd\u3001\u65b0\u9896\u8d37\u6b3e\u6a21\u5f0f\uff0c\u6b63\u5927\u529b\u98a0\u8986\u4e2d\u56fd\u4f01\u4e1a\u94f6\u884c\u683c\u5c40\u3002 MYbank\u5f62\u5bb9\u5176\u501f\u8d37\u7a0b\u5e8f\u4e3a&#8221;3-1-0&#8243;\u6a21\u5f0f\uff0c\u6307\u7684\u662f\u8d37\u6b3e\u7533\u8bf7\u53ea\u97003\u5206\u949f\uff0c\u4eba\u5de5\u667a\u80fd1\u79d2\u949f\u6279\u51fa\uff0c\u5168\u7a0b0\u4eba\u624b\u5904\u7406\u3002<\/p>\n\n\n\n<p><a href=\"https:\/\/fintechnews.hk\/9925\/virtual-banking\/virtual-banking-china-ai-big-data-microbusiness\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">FinTechnewsHK<\/a>\u62a5\u5bfc\u6307\u51fa\uff0c\u622a\u6b622019\u5e748\u6708\uff0cMYBank\u7684\u5b9e\u65f6\u652f\u4ed8\u6570\u636e\u548c\u98ce\u9669\u7ba1\u7406\u7cfb\u7edf\u53ef\u5206\u67903000\u591a\u4e2a\u53d8\u91cf\uff0c\u4e26\u5df2\u54111,700\u4e07\u5bb6\u5fae\u578b\u4f01\u4e1a\u548c\u5176\u4ed6\u516c\u53f8\u63d0\u4f9b\u4e86\u8d37\u6b3e\uff0c\u8d37\u6b3e\u603b\u989d\u7ea6\u4e3a3\u4e07\u4ebf\u5143\u4eba\u6c11\u5e01\uff084250\u4ebf\u7f8e\u5143\uff09\uff0c\u5f53\u4e2d80%\u7684\u516c\u53f8\u4ece\u672a\u5411\u94f6\u884c\u8d37\u6b3e\uff0c\u53ef\u89c1MYBank\u53d1\u5c55\u84ec\u52c3\u3002<\/p>\n\n\n\n<p>\u7531\u6b64\u53ef\u89c1\uff0c\u4e2d\u5c0f\u4f01\u4e1a\u7684\u8d37\u6b3e\u6a21\u5f0f\uff0c\u7ecf\u5df2\u9010\u6b65\u4ece\u94f6\u884c\u8d70\u5411\u79d1\u6280\u5bfc\u5411\u3002\u9999\u6e2f\u4f5c\u4e3a\u56fd\u9645\u4e2d\u5fc3\uff0c34\u4e07\u5bb6\u672c\u5730\u4f01\u4e1a\u53c8\u5982\u4f55\u80fd\u591f\u65e9\u65e5\u53d7\u60e0\u79d1\u6280\u5e26\u6765\u597d\u5904\uff0c\u589e\u5f3a\u4fe1\u8d37\u80fd\u529b\uff1f\u8fd9\u5b9e\u5728\u6709\u8d56\u9999\u6e2f\u7684\u76d1\u7ba1\u673a\u6784\u52a0\u5927\u5f00\u653e\u3001\u94f6\u884c\u4e1a\u7684\u9ad8\u77bb\u8fdc\u77a9\u3001\u79d1\u6280\u516c\u53f8\u7684\u53c2\u4e0e\u5171\u540c\u52aa\u529b\uff0c\u7a81\u7834\u56fa\u6709\u6846\u67b6\u3002 <a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.finmonster.com\/\" target=\"_blank\">FinMonster<\/a>\u4f5c\u4e3a\u9999\u6e2f\u91d1\u878d\u79d1\u6280\u4e00\u5458\uff0c\u9664\u5df2\u63a8\u51fa\u7684\u4f01\u4e1a\u8d37\u6b3e\u6bd4\u8f83\u5e73\u53f0\u5916\uff0c\u4ea6\u4f1a\u8fdb\u4e00\u6b65\u63a8\u52a8\u533a\u57df\u4f01\u4e1a\u878d\u8d44\u5e73\u53f0\u7684\u5efa\u8bbe\uff0c\u4fc3\u8fdb\u8d44\u91d1\u6d41\u5411\u5b9e\u4f53\u4f01\u4e1a\uff0c\u7b80\u5316\u8d37\u6b3e\u6d41\u7a0b\uff0c\u6700\u7ec8\u4fbf\u5229\u4f01\u4e1a\u7ecf\u8425\u3002<\/p>\n\n\n\n<p><a href=\"https:\/\/www.finmonster.com\/blog\/2020\/01\/16\/%e6%95%b0%e7%a0%81%e6%b8%af%e4%b8%8e%e7%a7%91%e5%ad%a6%e5%9b%ad%e7%9a%84%e6%9c%aa%e6%9d%a5-%e5%8f%91%e5%b1%95%e8%bd%a8%e8%bf%b9%e6%af%94%e8%be%83\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"\u5ef6\u4f38\u9605\u8bfb \uff1a\u6570\u7801\u6e2f\u4e0e\u79d1\u5b66\u56ed\u7684\u672a\u6765(\u4e00)\uff1a\u53d1\u5c55\u8f68\u8ff9\u6bd4\u8f83 (opens in a new tab)\">\u5ef6\u4f38\u9605\u8bfb \uff1a\u6570\u7801\u6e2f\u4e0e\u79d1\u5b66\u56ed\u7684\u672a\u6765(\u4e00)\uff1a\u53d1\u5c55\u8f68\u8ff9\u6bd4\u8f83<\/a><\/p>\n\n\n\n<hr 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