摩根大通執行長將人工智慧的影響與蒸汽機革命進行比較

摩根大通執行長傑米戴蒙強調了人工智慧對金融業的變革潛力，將其影響比喻為蒸汽機。該銀行已經確定了 400 多個人工智慧用例，包括詐欺偵測、行銷和數據分析。戴蒙也警告潛在的監管挑戰，並強調出於對安全和道德影響的擔憂，需要謹慎採用。

JPMorgan Chase CEO Jamie Dimon Extols AI's Transformative Power, Likening It to the Revolutionary Impact of Steam Engines

摩根大通執行長傑米戴蒙稱讚人工智慧的變革力量，將其比作蒸汽機的革命性影響

In his annual shareholder letter, JPMorgan Chase & Co. Chief Executive Officer Jamie Dimon has unequivocally declared Artificial Intelligence (AI) as the pivotal force that will reshape the entire financial services landscape. Dimon's resounding endorsement of AI's transformative potential draws parallels to the profound impact wrought by the advent of steam engines, heralding a technological revolution that will "augment virtually every job."

摩根大通執行長傑米戴蒙 (Jamie Dimon) 在其年度股東信中明確宣佈人工智慧 (AI) 是重塑整個金融服務格局的關鍵力量。戴蒙對人工智慧變革潛力的大力支持，與蒸汽機的出現所帶來的深遠影響相提並論，預示著一場將「增強幾乎所有工作」的技術革命。

Dimon's unwavering belief in AI's transformative power extends beyond the realm of Wall Street, encompassing its vast potential to revolutionize all facets of modern society. Recognizing the technology's immense economic promise, he has emphasized that AI's transformative impact will permeate every sector, not just the financial industry.

戴蒙對人工智慧變革力量的堅定信念超出了華爾街的範圍，涵蓋了其徹底改變現代社會各個方面的巨大潛力。他認識到該技術的巨大經濟前景，並強調人工智慧的變革性影響將滲透到每個產業，而不僅僅是金融業。

JPMorgan Chase's Comprehensive AI Strategy

摩根大通的全面人工智慧策略

Dimon's unwavering enthusiasm for AI is not merely rhetorical; it is backed by concrete actions. JPMorgan Chase has meticulously identified over 400 potential applications for AI across a diverse range of domains, spanning fraud detection, risk management, marketing, and countless other areas. To spearhead this ambitious AI integration, the bank has assembled a formidable team of AI experts and data scientists, tasked with exploring the groundbreaking possibilities of generative AI.

戴蒙對人工智慧堅定不移的熱情不僅僅是口頭上的，而是實實在在的。它有具體行動的支持。摩根大通精心確定了人工智慧在各個領域的 400 多個潛在應用，涵蓋詐欺偵測、風險管理、行銷和無數其他領域。為了引領這一雄心勃勃的人工智慧整合，該銀行組建了一支由人工智慧專家和資料科學家組成的強大團隊，負責探索生成式人工智慧的突破性可能性。

Morgan Stanley Joins the AI Revolution

摩根士丹利加入人工智慧革命

JPMorgan Chase is not alone in recognizing the transformative power of AI. In a decisive move to embrace AI's transformative potential, American multinational investment banking giant Morgan Stanley has appointed Jeff McMillan, one of its most accomplished tech executives, to lead its newly established Artificial Intelligence Division. This strategic move underscores Morgan Stanley's commitment to integrating AI into its business operations, harnessing its transformative power to drive innovation and enhance customer experiences.

摩根大通並不是唯一一家認識到人工智慧變革力量的公司。為了擁抱人工智慧的變革潛力，美國跨國投資銀行巨頭摩根士丹利已任命其最有成就的科技高管之一傑夫·麥克米蘭 (Jeff McMillan) 領導其新成立的人工智慧部門。這項策略性舉措凸顯了摩根士丹利將人工智慧融入其業務營運、利用其變革力量推動創新和增強客戶體驗的承諾。

Cautious Optimism Amidst Regulatory Scrutiny

監理審查保持謹慎樂觀

Despite his unreserved enthusiasm for AI's transformative potential, Dimon has sounded a note of caution, highlighting the regulatory challenges that could potentially hinder the widespread adoption of AI. He has expressed concerns about the potential impact of persistent inflation, quantitative tightening, and geopolitical tensions in regions such as Ukraine and the Middle East.

儘管戴蒙對人工智慧的變革潛力充滿熱情，但他也發出了警告，強調了可能阻礙人工智慧廣泛採用的監管挑戰。他對烏克蘭和中東等地區持續通膨、量化緊縮以及地緣政治緊張局勢的潛在影響表示擔憂。

Dimon's concerns resonate with broader anxieties within the financial industry. The United States government and Britain have recently joined forces to pursue Artificial Intelligence safety, recognizing the need to address security and ethical concerns surrounding the proliferation of AI technology.

戴蒙的擔憂與金融業內更廣泛的焦慮產生了共鳴。美國政府和英國最近聯手追求人工智慧安全，認識到需要解決圍繞人工智慧技術擴散的安全和道德問題。

Dimon's Criticism of Proposed Basel III Endgame Rules

戴蒙對擬議巴塞爾協議 III 殘局規則的批評

Addressing regulatory proposals, Dimon has vehemently criticized the potential Basel III Endgame rules, which could impose stricter capital requirements on US banks. He contends that these regulations could inadvertently stifle market-making activities, which play a crucial role in ensuring liquidity and stability in financial markets.

在談到監管建議時，戴蒙強烈批評了潛在的巴塞爾協議 III 終局規則，該規則可能對美國銀行提出更嚴格的資本要求。他認為，這些法規可能會無意中扼殺做市活動，而做市活動在確保金融市場的流動性和穩定性方面發揮著至關重要的作用。

Dimon has staunchly defended the profitability and importance of market-making for JPMorgan, cautioning that overly stringent regulations could have detrimental effects on market stability.

戴蒙堅決捍衛摩根大通的獲利能力和做市的重要性，並警告說，過於嚴格的監管可能會對市場穩定產生不利影響。

AI's Ascendance: A Workforce Transformation

人工智慧的優勢：勞動力轉型

Analysts are eagerly anticipating the widespread adoption of AI across all sectors, predicting that the technology will soon account for a significant majority of interactions. This technological transformation is already underway, with Apple reportedly pausing its electric vehicle project and reassigning some of its workforce to its artificial intelligence project.

分析師熱切期待人工智慧在所有領域的廣泛採用，並預測該技術將很快佔據互動的絕大多數。這種技術轉型已經在進行中，據報道，蘋果暫停了其電動車項目，並將部分員工重新分配到人工智慧項目。

As AI continues to penetrate every aspect of modern life, its transformative power will undoubtedly reshape the workforce, creating new opportunities while potentially displacing certain jobs. The transformative potential of AI is undeniable, and it is incumbent upon society to embrace this technological revolution while addressing its ethical and economic implications.

隨著人工智慧繼續滲透到現代生活的各個方面，其變革力量無疑將重塑勞動力，創造新的機會，同時有可能取代某些工作。人工智慧的變革潛力是不可否認的，社會有責任擁抱這場科技革命，同時解決其倫理和經濟影響。