AI digital human became popular through "AI Stefanie" because of its unique timbre and singing voice, and has been subject to continued heated discussion. Nowadays, this trend of AI digital humans has blown directly into the financial circle.
Recently, China Merchants Securities has tailor-made an "AI digital clone" for its media chief. This clone can stay awake 24 hours a day and continue to learn and grow with its powerful technology generation capabilities.
While the market laments the innovation and application of artificial intelligence technology, concerns about the compliance risks of “AI digital clones” are also rising in the industry.
Sell-side analysts create AI clones
The "AI digital clone" of Gu Jia, chief executive of China Merchants Securities Media and co-leader of the TMT group, has officially met the public recently, causing widespread heated discussion in the market.
In the video showing Gu Jia’s “AI digital clone”, “he” introduced himself like this: “Hello everyone, I am Gu Jia’s AI digital clone. I am him, but not just him. I have his voice. and appearance, as well as the multi-modal interaction and generation capabilities derived from large models.I have mastered multiple dialects and foreign languages, and can continue to learn and grow 24 hours a day.As China Merchants Securities Media Chief, the billions of clones of the co-leader of the TMT team, I can appear at road shows, press conferences, research report interpretations, analyst conference calls, and wherever customers need me. This is the meaning of my existence. .”
Regarding digital avatars, Gu Jia, chief executive of China Merchants Securities Media and co-leader of the TMT group, responded: "Our company has created a digital avatar for me. Soon, my virtual people will come out in hundreds and thousands for everyone. One-on-one communication and road shows, AI is the general trend, we look forward to it together."
In addition, a screenshot of WeChat Moments has been circulated on the Internet a few days ago. This screenshot expresses Gu Jia’s recognition of the prospects of AI to a certain extent. “An AI Stefanie Sun once again made everyone feel the charm of AI. AI’s impact on The transformation of various industries will be faster and faster!"
On May 15, "International Finance News" reporter applied for an interview with China Merchants Securities on issues related to analysts' "AI digital clones". China Merchants Securities responded, "It is currently not convenient to accept media interviews."
Is AI a general trend?
In recent years, As artificial intelligence technology continues to innovate and develop, more and more financial institutions are planning or have launched AI virtual digital humans.
In 2020, the first AI anchor "Xiaotian" created by GF Securities was officially launched and began to broadcast real-time information such as daily morning trading views, intraday hot spots and closing comments on the GF Securities Yi Tao Gold App.
In 2022, Guotai Junan’s digital employee “Xiao An” will appear on the “818 Financial Management Day”; CICC Wealth Management officially announced that the digital employee Jinn has officially “joined”; Industrial Securities’ first digital employee “Xiao Zhi” has an upper limit, just enter the script text , wait for a moment to generate a vivid and unique video information...
In December last year, Tongtai Fund also released the "digital clone" of fund manager Wang Xiaogen. Not only does he look exactly like a real person, but his tone and subtle expressions are also fully restored. It is understood that the current main job responsibility of the fund manager's "digital clone" is also to accompany and serve investors, but it will be more precise to the specific fund products managed by the fund manager. In the future, it will be given more job functions, such as live broadcasts and online road shows. wait.
Financial commentator Zhang Xuefeng told the "International Finance News" reporter, "The 'AI digital clone' of securities analysts is a new way of transmitting information and has many features and advantages, such as 24-hour uninterrupted Services can appear in multiple scenarios at the same time, reduce labor costs, etc. However, its credibility needs to be evaluated according to specific circumstances, such as the data sources it is based on, the accuracy of the algorithm model, etc. need to be considered. At the same time , the application of 'AI digital clone' also needs to pay attention to its possible flaws and risks, such as possible problems such as inaccurate information and insufficient semantic understanding."
Although the application of "AI digital clones" has certain flaws and risks, in Zhang Xuefeng's view, with the continuous development of artificial intelligence technology, the trend of AI digital people entering the financial circle is inevitable.
The use of virtual digital people can make financial institutions’ services more efficient and convenient, while reducing labor costs and improving service quality. Therefore, I think AI digital humans are the general trend. "Zhang Xuefeng said.
Compliance risks cause controversy
As artificial intelligence technology accelerates innovation and application, concerns about the compliance risks of "AI digital clones" have also emerged in the industry. So, how should the value of the information conveyed by"AI digital clone" be evaluated? Are there compliance risks in “AI digital clones”?
In this regard, Zhang Te, a lawyer at Beijing Longan Law Firm, said in an interview with a reporter from the International Finance News, "AI is not an independent civil subject and cannot independently enjoy rights and assume obligations. This This means that the use of 'AI clones' to replace people's roles in road show investments is just to provide some reference, and the resulting responsibilities will be borne by the individual companies that control these AIs. Especially in some transaction links, you cannot simply use If AI is used as a substitute, for example, if AI is used to sign a contract, the contract at this time may be invalid under the current conditions."
Regarding the compliance of AI identity, Zhang Te pointed out, “I’m afraid this still needs technical means to solve. When technology can completely overlap AI and people, or technology can enable AI to form a closed loop in social life transactions. .Perhaps we will see the realization of compliance soon, because when people generally agree that the meaning expressed by AI is equivalent to human intention, compliance will become possible. Before that, AI is still a tool for human manipulation. ”
The whole world is facing a legal challenge, that is, whether AI clones should be regarded as independent entities with legal liability. "In the view of Shen Meng, chief strategist of Guangke Consulting, in the analyst industry that is subject to strict qualification management, AI clones definitely have serious compliance issues and even legal disputes. For example, the opinions or analyzes expressed by AI clones As a result, whether the real person or the institution where the real person works is responsible for it; whether the AI avatar is also subject to professional qualification management regulations, etc.
Shen Meng believes that judging from the global application trend, the penetration of AI in the financial field is becoming more and more obvious, but it is always in a position of assistance. If the definition of AI's separate responsibility cannot be realized in law, AI cannot be allowed to Walk independently to the front desk.
Brokerage analysts may cause compliance disputes due to issues such as inaccurate information or misleading investors. "Zhang Xuefeng told reporters. He believes that the application of AI clones by financial institutions needs to strengthen supervision and standardization to ensure its compliance.
Specifically, Zhang Xuefeng believes that we can start from the following aspects: first, strengthen the supervision of AI digital clones to ensure the accuracy and reliability of its information; second, strengthen the education and guidance of investors, so that They understand the characteristics and risks of AI digital clones; the third is to strengthen the technology development and application of AI digital clones to improve their accuracy and reliability.
Source: International Financial News
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