Искусственный интеллект: стратегия управления финансовыми рисками

Данное исследование рассматривает использование искусственного интеллекта (ИИ) в качестве инструмента управления финансовыми рисками. Стимулом этого нововведения стало революционное влияние, которое оказывают финансовые технологии на бизнес-операции. Традиционные методы управления финансовыми рисками больше не приносят желаемых результатов и требуют пересмотра. Цель исследования — оценить роль искусственного интеллекта в управлении финансовыми рисками и предложить рекомендации по его дальнейшему использованию в финансовом секторе экономики. Методичный анализ соответствующей научной литературы показал, что ИИ, в частности машинное обучение, может помочь в управлении финансовыми рисками. Сделан вывод, что ИИ улучшает управление рыночными и кредитными рисками при проверке моделей, моделировании рисков, стресс-тестировании и подготовке данных. ИИ помогает контролировать качество полученных сведений, выявлять мошенничество и осуществлять поиск нужной информации в интернете. В будущем финансовые технологии будут продолжать оказывать влияние на финансовый сектор по мере того, как действующие компании модифицируют свою деятельность. Таким образом, инструменты управления финансовыми рисками будут включать в себя ИИ. В исследовании рассматриваются возможности использования ИИ в финансовом (рыночном и кредитном), риск-менеджменте и операционном секторах (непрерывность бизнеса и аварийное восстановление). Представлены наиболее перспективные технологии и методы ИИ, такие как RPA, управление данными, блокчейн, MRL, MRC, CRU, глубокое обучение, OML, моделирование и стресс-тестирование, машинное обучение и алгоритмы, нейронные сети, деревья решений, CPM, CRA, Black Box и т.д. для улучшения управления финансовыми рисками (FRM).

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