Raka'a
1. Gabatarwa zuwa Hankali na Artificial a Banki: Matsayi, Iyakoki, Tabbatarwa da Da'a 2. Ƙimar Haɗarin Kiredit da Tallafin Maki: Tabbatar da daftarin AI 3. Gano Zamba: Anomaly, Gargaɗi da Gudanar da Ƙararrawar Ƙarya 4. Rarraba Abokin Ciniki da Keɓancewa: Tsakanin Iyakokin Da'a 5. Chatbot da Sabis na Abokin Ciniki: Amintaccen Aiki da Mahimman Bayanai 6. Yarda, AML da KYC: Sani Abokin Cinikinku da Anti-Money Laundering AI 7. Rahoton da Takardu Aiki Aiki: Amintaccen Yawo daga Daftarin aiki zuwa Amincewa 8. Binciken Kudi da Tallafin Shawara: Fassarar Ƙididdiga 9. Son Zuciya, Adalci da Wariya: Wuraren Makafi na Model 10. Sirrin Bayanai, KVKK, Sirrin Abokin ciniki da Doka 11. Ƙarshe-zuwa-Ƙarshen Ƙarshen Aiki, Gudanar da Samfura da Binciken Kai
Naúrar 8 / 11

Binciken Kudi da Tallafin Shawara: Fassarar Ƙididdiga

Riba:

  • Fahimtar yadda ake amfani da hankali na wucin gadi azaman tsarawa da sarrafa lissafi a cikin nazarin bayanan kuɗi, lissafin rabo da fassarar tsabar kuɗi.
  • Ikon sake ƙididdige fassarar kuɗi ta hanyar basirar wucin gadi tare da bayanan tushe da zato da iyakoki a matsayin ƙwararru.
  • Ikon fahimtar rashin tabbas na tsinkaya da bincike na yanayi da kuma kiyaye cewa yanke shawara na saka hannun jari/bashi na mutane ne.

Aikin manazarcin kudi shine karanta labarin cikin ginshiƙi. Takaddun ma'auni na kamfani, bayanin kuɗin shiga da tsabar kuɗi; Yana ba da labari game da kuɗi, riba, bashi da girma. Daga waɗannan lambobi, manazarci yana ƙididdige ƙididdige ƙididdige ƙididdige ƙididdige ƙididdige ƙididdigewa, fassara abubuwan da ke faruwa, gina yanayin yanayi kuma yana ba da shigarwa cikin yanke shawara na ƙirƙira / saka hannun jari. A cikin wannan tsari, hankali na wucin gadi yana adana lokaci a cikin karatun tebur, daftarin lissafin ƙididdigewa da daftarin fassarar. Amma zuciyar binciken kuɗi ba shi da tabbas: kowane fassarar yana dogara ne akan zato, kowane tsinkaya yana dogara ne akan yanayin yanayi. AI na iya faɗi da tabbaci sosai cewa "wannan kamfani yana da cikakken ƙarfi"; alhali bincike na gaskiya game da tambayar zato da nuna rashin tabbas. Shawarar ƙirƙira/shawara ta ƙarshe, tare da rashin tabbas, ɗan adam ne.

A cikin wannan rukunin, za mu ga yadda ake amfani da AI azaman daftarin aiki da sarrafa asusu a cikin nazarin bayanan kuɗi, yadda ake sake ƙididdigewa da tambayar abin da aka fitar, da kuma yadda ake sarrafa rashin tabbas na hasashe/ yanayin yanayi.

Menene bincike na kudi bisa?

Kayan aiki na asali:

  • Binciken Ratio: Liquidity (rabo na yanzu, gwajin-acid), riba (raɓar riba mai riba, dawowa akan ãdalci), bashi (bashi / ãdalci), inganci (rabo juyawa rabo).
  • Binciken Trend: Canji tsakanin shekaru / kwata; girma ko takura?
  • Kudaden Kuɗi: Ko kamfani mai alama yana samar da tsabar kuɗi - riba akan takarda ba kuɗi bane a cikin rajistar kuɗi.
  • Halin yanayi da jin dadi: Hasashen da ake zato kamar "Me zai faru idan tallace-tallace ya sauke 10%?"
Tukwici: Riba da tsabar kuɗi abubuwa ne daban-daban. Yayin da kamfani ke nuna ribar lissafin kuɗi, yana iya zama ƙarancin kuɗi. Idan AI ta zame cikin gajeriyar hanya kamar "mai riba, don haka mai ƙarfi," aikinku ne don kama wannan tarko.

Sanya hankali na wucin gadi daidai

nema

AI rawar

sarrafawa / yanke shawara

Zane na lissafin rabo daga tebur

daftarin asusun

Sake ƙididdigewa daga tushe

Takaitawar Trend

Takaitaccen daftarin

Binciken masana

Bayanin kwatanta masana'antu

daftarin aiki

Tabbatar da tushe da kuɗi

Gyaran yanayi

Daftarin zato

ƙwararrun tambayoyi zato

Shawarar Kiredit/Sanya jari

(daftari kawai)

mutum ya yanke shawara

AI baya yin "shawara ta ƙarshe" akan kowane layi; Aikin ku ne ku fallasa zato da rashin tabbas da ke tattare da kowane sharhi.

Tambayoyi na sake ƙididdigewa da zato

  1. Tabbatar da ƙima daga tushe. Yi lissafin kanku rabo na yanzu, gefe, rabon bashi/adal da aka bayar ta hanyar basirar wucin gadi tare da ƙimar tebur. Samfurin na iya haɗa ƙima/mai ƙididdigewa.
  2. Daidaiton shigarwa. Shin ƙimar tebur ɗin da samfurin ya karanta daidai? Shigar da ba daidai ba yana ba da sakamako mara kyau ko da tare da madaidaicin dabara (datti a ciki, datti).
  3. Sanya zato a bayyane. Yi tambaya a sarari don zato wanda kowane ƙwaƙƙwaran ya dogara da shi ("tallace-tallace sun ci gaba da wanzuwa", "ƙididdigar ƙima ba ta canzawa") da kuma tambayar gaskiyarsa.
  4. Karya madaidaicin wuce gona da iri. Sauya kalmomi kamar "tabbas," "tabbas," da harshen rashin tabbas ("bisa ga samuwa bayanai, zato").

Samfura huɗu masu kwafi

1) Zane-zane na lissafin rabo (tare da nunin mataki):

Yi ƙididdige ma'auni masu zuwa tare da ƙimar teburin da ke ƙasa kuma nuna tsari da matakan tsaka-tsakin kowane: rabo na yanzu, ribar riba, bashi / daidaito. Yi lissafi kawai; Yin hukunci "karfi/rauni".Dabi'u: [kadara ta yanzu, abin alhaki na ɗan gajeren lokaci, ribar net, tallace-tallace, jimlar bashi, daidaito]

2) Takaitaccen bayanin Trend da tsabar kuɗi:

Matsayinku: taƙaitaccen mataimaki ga manazarcin kuɗi. Tsare-tsare na taƙaita abubuwan da ke faruwa daga ingantattun bayanai na kashi uku da na ba ku. Ƙimar riba da tsabar kuɗi dabam; Idan biyun sun saba wa juna, haskaka wannan. Yin tabbataccen shawarar saka hannun jari. Bayanai: [ Figures]

3) Zato da kulawar rashin tabbas:

Waɗanne zato suka dogara akan sharhin kuɗi na gaba? Yi lissafin kowane zato a fili kuma nuna waɗanda za su canza sakamakon idan ba a gane su ba. Tuta bayanan da suka yi daidai ("cikakku", "lamuni"). Rubutu: [comment]

4) Daftarin yanayi (hankali):

Matsayinku: mataimaki na tsara labari. Saita yanayi guda biyu dangane da bayanan tushe: (1) idan tallace-tallace ya faɗi 10%, (2) idan kuɗin riba ya karu 20%, ta yaya za a shafi ƙimar tushe? Rubuta zato na kowane labari a fili. Wannan daftarin ne; Zan yanke shawarar lamuni / saka hannun jari.Base data: [ Figures]

Rauni mai ƙarfi / Ƙarfi mai ƙarfi

Rawanin faɗakarwa:

Dubi maganganun wannan kamfani kuma ku yanke shawara ko ya kamata mu ba da lamuni, Ina son amsa mai haske: eh ko a'a.

Yana sauke yanke shawara ga abin ƙira, ɓoye zato, yin watsi da rashin tabbas, kuma yana gayyatar daidaiton wuce gona da iri.

Ƙarfi mai ƙarfi:

Matsayinku: Mataimakin goyon bayan yanke shawara, ba mai yanke shawara ba. Yi ƙididdige ma'auni tare da dabara, ƙididdige yanayin yanayi da tsabar kuɗi daban. Rubuta a sarari zato wanda kowane sharhi ya dogara da shi kuma faɗi duk wani rashin tabbas. Kada ku yi amfani da kalmomi kamar "cikakku." Zan yanke shawarar kiredit, tare da bayyana rashin tabbas.

Ƙarfin ƙarfi yana sa lissafin a bayyane, yana sa zato da rashin tabbas a bayyane, kuma ya bar yanke shawara ga ɗan adam.

uku mini lokuta

Case 1 - Adana lokaci. Wani manazarci yana da AI yana ƙididdige ma'auni na asali na babban fayil na kamfanoni 15 a cikin daftarin aiki, sannan ya tabbatar da su duka daga tushen. An rage lissafin sa'a 4 na manual zuwa awa 1; Manazarci yana ba da lokacinsa don yin tafsiri da zato.

Case 2 - Sake kirgawa ya kama kuskure. Hankalin wucin gadi yana ba da rabon kamfani na yanzu a matsayin "2.4". Mai sharhi ya sake ƙididdigewa: ƙirar ta yi amfani da jimlar bashi maimakon bashi na ɗan gajeren lokaci; ainihin rabon halin yanzu shine 1.1 kuma akwai damuwa na ruwa. Tabbatarwa yana hana ra'ayin ƙarya na "m".

Case na 3 - Matsakaicin raguwa mai yawa. Leken asiri na wucin gadi ya ce "kamfanin yana da ƙarfi sosai, tabbas ya kamata a ba da lamuni". Manazarci yana kallon tsabar kuɗi: ko da yake kamfanin ya bayyana yana da riba, kashi biyu na ƙarshe sun samar da tsabar kuɗi mara kyau. An sake rubuta sharhin ta ƙara rashin tabbas a matsayin "mai riba amma samar da kuɗi yana da rauni, ana ba da shawarar ƙarin haɗin gwiwa da sa ido sosai." An gabatar da shawarar ga kwamitin tare da wannan nuance.

Muhimmancin mahallin: rabo iri ɗaya, labari daban-daban

A cikin nazarin kudi, lambobi ba sa magana kadai; Yana samun ma'ana tare da mahallin. Duk da yake daidai wannan "rabo na yanzu na 1.2" yana da al'ada ga sarkar tallace-tallace, yana iya zama abin ban tsoro ga kamfani mai kwangila tare da tsawon lokacin tattarawa. AI ya san tsarin gaba ɗaya, amma sau da yawa ba takamaiman mahallin masana'antar ku ba, wannan kamfani, da wannan lokacin; don haka yana iya zamewa cikin gajerun hanyoyi kamar "ƙananan ƙimar = mara kyau." Kai ne wanda ke ƙara mahallin.

Yi tambayoyi guda uku lokacin la'akari da mahallin:

  • Menene al'adar masana'antu? Kwatanta rabo zuwa matsakaicin masana'antu da masu fafatawa; Matsayin dangi, ba cikakkiyar ƙima ba, yana da mahimmanci.
  • Menene yanayin? Adadin lokaci guda yana ɓatarwa; Shin adadin yana inganta ko yana daɗaɗawa? Jagoranci sau da yawa yana da mahimmanci fiye da matakin.
  • Akwai tasirin lokaci guda? Siyar da kadara, tanadi don ƙara, ko samun kudin shiga na sabon zamani na iya sa lokacin yayi kyau ko mara kyau kuma ya ɓoye ainihin hoton. Duba hoton "tsabtace"
Tukwici: Lokacin samun fassarar AI, tambayi "wane tunanin masana'antu kuke magana akai?" tambaya. Idan samfurin ba zai iya bayyana zatonsa ba, fassararsa ba tare da mahallin ba; wanda ba a dogara ba har sai an gwada shi tare da ilimin masana'antar ku.

Kuskuren gama gari

  • Ba sake ƙididdige ƙimar ba. Ba tabbatar da rabon da samfurin ya bayar tare da dabara ba; Wannan shine inda rudanin ƙididdigewa/ ƙididdiga ya shigo.
  • Riba mai ruɗani da tsabar kuɗi. Faɗuwa don gajeriyar hanyar "mai riba, don haka m".
  • Boye zato. Ba tambayar wane zato hasashen ya ginu akansa ba.
  • Yarda da wuce gona da iri. Kalmomi irin su "cikakkiyar ƙarfi" an haɗa su a cikin rahoton kamar yadda suke.
  • Barin yanke shawara ga samfurin. Ƙoƙarin ƙaddamar da alhakin ta hanyar samun samfurin ya faɗi hukuncin lamuni / saka hannun jari na ƙarshe.
Tsanaki: Sakamakon mafi haɗari a cikin bincike na kudi shine m amma bisa zato na ƙarya. Amincewa da hasashe ba tare da sanin abin da "idan" ke bayansa ba kamar amincewa da ginin da ba a iya ganin tushe.

a takaice

Binciken kudi yana karanta labarin bayan lambobi tare da rabo, yanayin, tsabar kuɗi da kayan aikin yanayi. Ƙwararrun Ƙwararrun Ƙwararrun Ƙwararren Ƙwararren Ƙwararren Ƙwararren Ƙwararren Ƙwararren Ƙwararren Ƙwararren Ƙwararren Ƙwararren Ƙwararren Ƙwararren Ƙwararren Ƙwararren Ƙwararren Ƙwararren Ƙwararren Ƙwararren Ƙwararren Ƙwararren Ƙwararren Ƙwararren Ƙwararren Ƙwararren Ƙwararren Ƙwaƙwalwa na Ƙaddamarwa na Ƙaƙa ) na Ƙaddamar da Ƙimar da aka rubuta ; amma don ƙwararren ya sake ƙididdige ma'auni daga tushe, tabbatar da shigarwar, sanya zato a bayyane, kuma ya maye gurbin daidaitattun ƙima tare da harshen rashin tabbas. Shawarar ƙirƙira/shawara ta ƙarshe, tare da rashin tabbas, ta rataya ne akan ɗan adam. A cikin jumla ɗaya: AI ta taƙaita lambobi; ƙwararren manazarci ya mallaki fassarar, zato da yanke shawara.

Aikin aikace-aikace

Shirya ƙananan bayanan kuɗi (kaddarorin na yanzu, abin alhaki na yanzu, riba mai riba, tallace-tallace, jimlar lamuni, daidaito). Yi samfuri na 1 ya ƙididdige ma'auni kuma kwatanta kowanne ta hanyar sake kirga su da hannu. Sannan kimanta riba da tsabar kuɗi daban tare da samfuri 2. Haka kuma buga sharhin da ya wuce kima da gangan kuma nuna yadda ake tausasa shi ta hanyar bincika zato/rashin tabbas tare da samfuri na 3rd.

jerin abubuwan dubawa

  • [ ] Na sake ƙididdige ƙimar da samfurin ya bayar daga tushen ta amfani da dabara.
  • [ ] Na tabbatar da cewa an karanta ƙimar tebur ɗin shigarwa daidai.
  • [ ] Na kimanta riba da tsabar kuɗi daban.
  • [ ] Na bayyana a bayyane kuma na yi tambaya game da zato wanda kowace tawili ta ginu a kansa.
  • [ ] Na maye gurbin madaidaitan maganganu da harshe na rashin tabbas.
  • [ ] Na ɗauki lamuni na ƙarshe / yanke shawara da alhakin.
A baya Na gaba