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　　我men要审shen解读“AI+金融”模式xia的结guo。尽guan我们ke以说you99%的概lv保证zhi能金rong分析de结果shi可靠de，但shi金融wei机往wang就发sheng在剩yu的1%。人gong智能ben身并bu具有mei有分san或者xiao除金rong风险de能力，它只shi可以fu助提sheng金融ji构识bie预警he控制feng险的neng力。“AI+金融”模式xia的结guo，往wang受到yi下不li因素ying响：PJ78FDHSJSSJK66F1KE　　huiyiquanmianluoshishengweijingjigongzuohuiyibushuyaoqiu，zongjie2024nianfazhangaigegongzuo，cong7gefangmiananpaibushu2025nianzhongdianrenwu。huiyizhichu，yaojifaneixuqianli，chongfenfahuitouziguanjianzuoyonghexiaofeijichuzuoyong，jiakuaituidong“liangzhong”jianshe，jializuohao“liangxin”gongzuo，mouhuatuichuyipixiaofeixinyetai、xinchanpin。yaojujiaoguozhidazhe，zaifuwurongruguojiazhanlvezhongtuidongquyuxietiaofazhan，shishihao320genianduchuanyugongjianzhongdianxiangmu，zhichichengdoutishengchaodachengshixiandaihuazhilishuiping，jiakuaishengyujingjifuzhongxinhequyuzhongxinchengshijianshe，tuidongwudapianqutesefazhan，tongchoutuijinxinxingchengzhenhuajianshehexiangcunquanmianzhenxing。yaoqianghuachuangxinyinling，jianshejuyouquanguoyingxianglidekejichuangxinzhongxin，yiquanliansiweituijinzhongdianchanyefazhan，xietongdazaodikongjingjifazhangaodi，tuidongshuzijingjigaozhiliangfazhan，jiakuaidazaofuyousichuantesedexiandaihuachanyetixi。yaotuchuxitongjicheng，yijingjitizhigaigeqianyinquanmianshenhuagaige，jijirongruquanguotongyidashichang，jialituidongminyingjingjifazhan，zhelidazaoyiliuyingshanghuanjing，yigaoshuipingkaifangjifafazhanhuoli。yaozhelihuiminbianmin，zhuashibanhaoyipiminshengfuzhigongcheng，daliwenjiuyecuzengshou，tigaogonggongfuwujunhenghuayouzhihuashuiping。yaoshoulaodixianhongxian，hangshizhongyaochujichanpinanquanjichu，chixuzhulaochangjianghuangheshangyoushengtaipingzhang，qieshitigaoanquanbaogongnenglihelvsefazhanshuiping。yaojianchichangduanjiehe，quanlichongci“shisiwu”guihuamubiaorenwu，zhashizuohaojingjiyunxingtiaoduhewunianguihuabianzhi。。

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