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Erschienen in:
FinTech Towards Intelligent Finance Kapitel lesen Erstes Kapitel lesen

2021 | OriginalPaper | Buchkapitel

8. Intelligent Finance in China’s Financial Market

verfasst von : Dawei Zhao, Wenting Zhang

Erschienen in: Artificial Financial Intelligence in China

Verlag: Springer Singapore

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Abstract

Increasingly applied to the financial market over recent years, AI is on track to alleviate the pain points of the market, promote the fast, sustainable development of the financial industry and spearhead transformation of the market. Compared with practices abroad, the application of intelligent finance is at a nascent stage in China, where the regulatory system still requires improvement. In this context, the Chinese financial industry should strengthen self-discipline, enhance the quality and efficiency of financial services, and control the risk of technological innovation to maintain the steady development of the industry.

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Vorheriges Kapitel Intelligent Finance Wealth Management in China
Fußnoten
1
Before the 1950s, the US stock market transactions were dominated by retail investors, while from the 1960s, the proportion of retail investors gradually decreased due to the adjustment of taxation and pension fund-related systems. The proportion of trading volume of retail investors in the total trading volume of the NYSE fell from 51% in 1961 to 33% in 1969.
 
2
Other intelligent recognition technologies include face recognition, fingerprint/finger vein recognition, iris recognition, and optical character (OCR) recognition. iFlytek is a representative enterprise in the field of voice recognition.
 
4
From October 2010 to July 2011, the People's Bank of China's continuous interest rate hikes caused the yield of some life insurance products to be lower than bank deposit rates, and the surrender amount increased significantly. In 2011, the original insurance premium income of our country's life insurance was roughly 972.1 billion yuan, a year-on-year decrease of 8.57%, resulting in a year-on-year decrease of 1.3% in original insurance premium income compared with that in 2010.
 
5
Source: China Banking and Insurance Regulatory Commission (CBIRC), http://​www.​cbirc.​gov.​cn/​cn/​view/​pages/​index/​index.​html
 
6
Considering statistical calibre and exchange rate factors, there are discrepancies between the calculation results of China's premium income growth data and the data published by the China Insurance Regulatory Commission.
 
7
Information asymmetry in the insurance market has two sides: The first regards customer information, that is, it is difficult for insurance companies to fully grasp the risk status of each customer, and it is difficult to make accurate judgements on their risk level; The second regards the information of insurance companies, that is, the information advantages that insurance companies have in product design, pricing, and their own data and resources. The discussion here is limited to the latter case.
 
8
Sources: Ping An Life Insurance of China, https://​life.​pingan.​com/​
 
Metadaten
Titel
Intelligent Finance in China’s Financial Market
verfasst von
Dawei Zhao
Wenting Zhang
Copyright-Jahr
2021
Verlag
Springer Singapore
Buch
Artificial Financial Intelligence in China

Print ISBN: 978-981-16-5591-3

Electronic ISBN: 978-981-16-5592-0

Copyright-Jahr: 2021

DOI
https://doi.org/10.1007/978-981-16-5592-0_8

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