AI kutengera chiwopsezo cha ngongole: Kuwongolera magwiridwe antchito pachiwopsezo cha ngongole

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• Dzina la wolemba

  Quantumrun Foresight
• February 27, 2023

Vuto la chitsanzo cha chiopsezo cha ngongole lakhala likuvutitsa mabanki kwa zaka zambiri. Makina ophunzirira makina ndi nzeru zamakono (ML/AI) amapereka njira zatsopano zowunikira zomwe zikukhudzidwa ndikupereka zitsanzo zosinthika, zolondola.

AI credit risk modelling context

Chiwopsezo cha ngongole chimatanthawuza chiwopsezo choti wobwereketsa alephera kubweza ngongole zake, zomwe zimapangitsa kuti wobwereketsa ataya ndalama. Kuti awone ndikuwongolera ngoziyi, obwereketsa ayenera kulingalira zinthu monga kuthekera kwa kusakhulupirika (PD), kuwonetseredwa pokhazikika (EAD), ndi kutayika kopatsidwa (LGD). Maupangiri a Basel II, omwe adasindikizidwa mu 2004 ndikukhazikitsidwa mu 2008, amapereka malamulo owongolera chiwopsezo cha ngongole pamabanki. Pansi pa Pillar Yoyamba ya Basel II, chiwopsezo cha ngongole chikhoza kuwerengedwa pogwiritsa ntchito njira yokhazikika, yotengera maziko amkati, kapena njira yotsogola yotengera mavoti amkati.

Kugwiritsa ntchito ma analytics a data ndi AI/ML kwachulukirachulukira pakutengera chiwopsezo cha ngongole. Njira zachikhalidwe, monga njira zowerengera ndi ngongole zangongole, zawonjezeredwa ndi njira zotsogola zomwe zimatha kuthana bwino ndi maubwenzi osagwirizana komanso kuzindikira zinthu zobisika mu data. Kubwereketsa kwa ogula, kuchuluka kwa anthu, ndalama, ntchito, ndi machitidwe onse atha kuphatikizidwa m'mafanizo kuti athe kulosera luso lawo. Pakubwereketsa mabizinesi, komwe kulibe ngongole yokhazikika, obwereketsa amatha kugwiritsa ntchito njira zamabizinesi kuti awone ngati ali ndi ngongole. Njira zophunzirira zamakina zitha kugwiritsidwanso ntchito kuchepetsa kukula kuti mupange zitsanzo zolondola.

Zosokoneza

Ndi kukhazikitsa kwa AI kutengera chiwopsezo cha ngongole, kubwereketsa kwa ogula ndi mabizinesi kumatha kugwiritsa ntchito njira zobwereketsa zolondola komanso zosinthika. Mitundu iyi imapatsa obwereketsa kuwunika kwabwino kwa omwe amawabwereka ndikupangitsa msika wobwereketsa wathanzi. Njira imeneyi ndi yopindulitsa kwa obwereketsa mabizinesi, chifukwa mabizinesi ang'onoang'ono alibe choyimira chowonera kuti ali ndi ngongole mofanana ndi momwe mawongolere amagwirira ntchito kwa ogula.

Njira imodzi yomwe AI angagwiritsire ntchito pakupanga chiwopsezo cha ngongole ndiyo kugwiritsa ntchito zilankhulo zachilengedwe (NLP) kusanthula zomwe sizinapangike, monga malipoti amakampani ndi nkhani zankhani, kuti apeze zidziwitso zoyenera ndikumvetsetsa mozama momwe wobwereka alili. Kugwiritsidwanso ntchito kwina ndikukhazikitsa kwa AI yofotokozera (XAI), yomwe ingapereke chidziwitso pakupanga zisankho zachitsanzo ndikuwongolera kuwonekera komanso kuyankha. Komabe, kugwiritsa ntchito AI pakupanga chiwopsezo cha ngongole kumadzetsanso nkhawa zamakhalidwe abwino, monga kukondera komwe kungachitike pazambiri zomwe zimagwiritsidwa ntchito pophunzitsa zitsanzo komanso kufunikira kopanga zisankho zoyenera komanso zomveka.

Chitsanzo cha kampani yomwe ikufufuza kugwiritsa ntchito AI pachiwopsezo cha ngongole ndi Spin Analytics. Kuyambako kumagwiritsa ntchito AI kuti azilemba zokha malipoti oyendetsera ngongole zamabungwe azachuma. Pulatifomu ya kampaniyo, RiskRobot, imathandiza mabanki kusonkhanitsa, kuphatikiza, ndi kuyeretsa deta musanayikonze kuti zitsimikizire kuti zikutsatira malamulo m'madera osiyanasiyana, monga US ndi Europe. Imalembanso malipoti atsatanetsatane kwa owongolera kuti atsimikizire zolondola. Kulemba malipotiwa nthawi zambiri kumatenga miyezi 6-9, koma Spin Analytics imati imatha kuchepetsa nthawiyo kukhala yosakwana milungu iwiri. 

Mapulogalamu a AI credit risk modelling

Ntchito zina za AI pachiwopsezo cha ngongole zingaphatikizepo:

• Mabanki omwe amagwiritsa ntchito AI mu chitsanzo cha chiopsezo cha ngongole kuti achepetse kwambiri nthawi ndi khama lofunika kuti apange malipoti atsatanetsatane, kulola kuti mabungwe azachuma ayambe kuyambitsa zinthu zatsopano mofulumira komanso pamtengo wotsika.
• Machitidwe opangidwa ndi AI omwe amagwiritsidwa ntchito kusanthula deta zambiri mofulumira komanso molondola kuposa anthu, zomwe zingathe kutsogolera kuwunika kolondola kwa ngozi.
• Anthu ndi mabizinesi ambiri 'osakhala ndi mabanki' kapena 'opanda mabanki' m'maiko omwe akutukuka kumene omwe akupeza mwayi wopeza chithandizo chandalama popeza zida zatsopanozi zowonetsera chiopsezo cha ngongole zitha kugwiritsidwa ntchito kuzindikira ndikugwiritsa ntchito ngongole zoyambira pamsika wosasungidwa bwinowu.
• Ofufuza aumunthu akuphunzitsidwa kugwiritsa ntchito zida za AI kuti achepetse chiopsezo cha zolakwika.
• Machitidwe a intelligence akugwiritsidwa ntchito kuti azindikire zochitika zachinyengo, kuthandiza mabungwe a zachuma kuchepetsa chiopsezo cha ngongole zachinyengo kapena zopempha ngongole.
• Makina ophunzirira makina akuphunzitsidwa pazomwe zachitika kale kuti athe kulosera za ngozi zamtsogolo, kulola mabungwe azachuma kuwongolera mwachangu zomwe zingachitike pachiwopsezo.

Mafunso oti muyankhepo

• Ndi miyeso iti yomwe mukukhulupirira kuti mabizinesi akuyenera kugwiritsa ntchito kuwonetsa kuyenerera kwawo kubwereketsa?
• Mukuwona bwanji AI ikusintha ntchito ya owunikira omwe ali pachiwopsezo cha ngongole za anthu mtsogolomo?