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诺奖得主Robert Merton:智能投顾缺乏建立信任的能力

麻省理工学院著名金融学教授、诺贝尔经济学奖得主Robert Merton表示,科技行业入侵金融领域可能会让许多业内人士担心自己被取代,但有一群人可能不必太担心。

根据Robert Merton的说法,财富管理公司可能不会受机器人顾问的影响。他解释说,这是因为人工智能为投资者提供咨询的服务缺乏人类同行具备的基本能力,也就是构建信任的能力。

这种缺陷可能会给它们破坏财富管理领域带来困难。作为一名投资人或客户,你不知道一个建议背后的驱动是什么。你不知道这一建议使用了哪一模型……你也不知道它使用了什么数据。

Merton教授认为,人工智能模型数量巨大,投资者可能也很难选择一个可靠的机器人顾问。而且那些有问题的金融模型被发现时常常已经为时已晚。

根据这位诺贝尔奖得主的说法,这种情况为与信任打交道的人类顾问创造了机会,即使越来越多的金融行业进一步朝着自动化方向发展,他们也能做得很好。

Merton说:"如果我能证明我使用的技术或机器人,那么你相信的是我,而不是机器。"

The encroachment of technology into the financial space may have many in the industry worried about getting displaced, but one group may not have to worry so much, according to a Nobel laureate.

That is, wealth managers may be safe from total disruption from robo-advisors, according to Robert Merton, distinguished professor of finance at MIT and the winner of the Nobel Memorial Prize in Economic Sciences. That's because programs using artificial intelligence to advise investors lack a fundamental ability their human counterparts possess, he explained.

"What you need to make technology work is to create trust. Technology doesn't create trust on its own," Merton said.

That inability could create plenty of headwinds for disruption in the wealth management space. As an investor or client, "you have no idea what the motivation behind that advice was. You have no idea what model ... You have no idea what data was being used," Merton added.

Investors might also be hard-pressed to choose a reliable robo-advisor given the massive number of A.I. models available, the professor said, adding that bad models in finance are only revealed when "it's too late."

The situation creates opportunities for human advisors — those dealing with trust — to do very well, even as the wider financial industry moves toward further automation, according to the Nobel laureate.

"If I certify the technology or robo I'm using for you, you're trusting me, not the machine," Merton said.


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