一是人工智能的运用可以降低人工成本和操作风险。人工智能实现的智能客服，

First, the use of artificial intelligence can reduce labor costs and operational risk. Artificial intelligence to achieve customer service, assist human services, greatly reduce the huge cost of labor brought to the bank customer service. AI also to optimize workflow, automate business processes. Currently, there are artificial intelligent robots instead of serving customers, providing ATM, accounts and other basic services, the error rate is far below the human, operational risk is greatly reduced. Especially in the loan business, the use of artificial intelligence to identify customer credit, credit analysis and evaluation, both to avoid the risk of human emotion credit evaluation factors to some extent, you can also save a lot of manpower and material resources. The second is the construction of the online channel, greatly reducing the cost of service. Construction of the online channel, commercial banks can reduce the huge costs in terms of the physical network construction, human resources and infrastructure with other. Convenient online channel can also attract more customers, the marginal cost of commercial banking and financial services decline.

First, the use of artificial intelligence can reduce labor costs and operational risks. Artificial intelligence to achieve intelligent customer service, auxiliary manual services, greatly reduce the huge cost of manual customer service to the bank. Artificial intelligence also optimizes workflows and automates business processes. At present, there are intelligent robots instead of manual customer reception, providing automatic withdrawals, account opening and other basic services, error rate is much lower than human, operational risk is greatly reduced. Especially in the loan business, the use of artificial intelligence to identify customer credit, credit analysis and evaluation, can not only avoid the risk of credit assessment caused by human emotion factors to a certain extent, but also can save a lot of manpower and material resources. Second, the construction of online channels, greatly reducing the cost of services. The construction of online channels can reduce the huge cost expenditure of commercial banks in physical network construction, human resource allocation and infrastructure. The convenience of online channels can also attract more customers and reduce the marginal cost of commercial bank financial services.

First, the use of artificial intelligence can reduce labor costs and operational risks. The intelligent customer service realized by artificial intelligence and auxiliary artificial service greatly reduce the huge cost of artificial customer service to the bank. AI also optimizes workflow and automates business processes. At present, intelligent robots have replaced human to receive customers and provide basic services such as automatic withdrawal and account opening. The error rate is far lower than that of human beings and the operation risk is greatly reduced. Especially in the loan business, the use of artificial intelligence to identify customer credit and conduct credit analysis and evaluation can not only avoid the credit assessment risk caused by human emotional factors to a certain extent, but also save a lot of human and material resources. Second, the construction of online channels has greatly reduced service costs. The construction of online channels can reduce the huge cost of commercial banks in physical network construction, human resource allocation and infrastructure allocation. The convenience of online channels can also attract more customers and reduce the marginal cost of financial services of commercial banks.<br>