5G 与人工智能技术在金融行业的应用探索

5G 与人工智能技术在金融行业的应用探索

王大庆

（黑龙江工商学院，黑龙江 哈尔滨 150016）

【摘 要】5G 与人工智能的结合创新不仅促进了各自技术的进一步发展，而且在金融行业展现出广泛的应用潜力，引领金融产品和服务模式的持续革新。本文详尽探讨了 5G 和人工智能的核心特性，定义了二者融合创新的概念框架，并深入分析了它们在客户服务、市场推广、运营管理、资金筹集、投资咨询和风险控制等关键领域的综合应用。同时，本文还探讨了构建 5G 与人工智能融合创新机制的途径，为金融机构在金融服务创新、产品开发和风险管理方面提供了宝贵的参考。

【关键词】5G；人工智能；大数据；融合创新；金融服务

Exploring the Application of 5G and Artificial Intelligence Technologies in the Financial Industry

Daqing Wang

(Heilongjiang University of Business, Harbin, Heilongjiang, 150016)

Abstract: The integration and innovation of 5G and artificial intelligence not only foster the further development of each technology but also demonstrate extensive application potential in the financial industry, leading to continuous innovation in financial products and service models. This paper thoroughly investigates the core characteristics of 5G and artificial intelligence, defines the conceptual framework for their integrated innovation, and deeply analyzes their comprehensive applications in key areas such as customer service, marketing, operations management, capital raising, investment consulting, and risk control. Additionally, this paper explores the pathways for constructing a mechanism for the integration and innovation of 5G and artificial intelligence, providing valuable references for financial institutions in financial service innovation, product development, and risk management.

Keywords: 5G; Artificial Intelligence; Big Data; Integrated Innovation; Financial Services