美國銀行CEO：AI經(jīng)濟效益正“加速釋放”
彭博社
2025-12-25
圖片來源：Getty Images—Betty Laura Zapata/Bloomberg
美國銀行（Bank of America Corp.）首席執(zhí)行官布萊恩·莫伊尼漢（Brian Moynihan）表示，人工智能正開始對美國經(jīng)濟產(chǎn)生更顯著的影響。
莫伊尼漢周一接受彭博電視臺（Bloomberg Television）采訪時指出：“今年以來，人工智能投資持續(xù)積累，預(yù)計明年及未來幾年其對經(jīng)濟增長的貢獻將更為突出。人工智能的推動作用正日益增強——盡管并非所有增長都歸因于此，但其帶來的邊際效應(yīng)已相當(dāng)強勁。”
執(zhí)掌美國銀行近15年的莫伊尼漢表示，該行預(yù)測美國明年經(jīng)濟將穩(wěn)健增長，預(yù)計增速達2.4%，高于2025年約2%的水平。他同時提到，勞動力市場雖初現(xiàn)疲軟，但這更像是就業(yè)市場向常態(tài)水平的回歸。
近幾個月，隨著投資者爭相押注這一領(lǐng)域，包括OpenAI在內(nèi)的多家AI公司已募集數(shù)十億美元資金。但亞馬遜（Amazon.com Inc.）創(chuàng)始人杰夫·貝佐斯（Jeff Bezos）等業(yè)界高管警告，當(dāng)前人工智能支出存在“產(chǎn)業(yè)泡沫”，可能導(dǎo)致投資損失，不過長遠來看仍將惠及社會。
莫伊尼漢認為，鑒于人工智能行業(yè)主要由少數(shù)企業(yè)主導(dǎo)，即使該領(lǐng)域出現(xiàn)過熱并后續(xù)收縮，其對整體經(jīng)濟——包括消費者和就業(yè)市場——帶來的風(fēng)險仍相對有限。
他解釋道：“作為貸款方，我們會評估這些項目的杠桿水平，確保風(fēng)險可控，并核實數(shù)據(jù)中心承租方承諾的合同期限。”
莫伊尼漢在采訪中透露，美國銀行自身也在應(yīng)用人工智能技術(shù)。該行于2018年推出了智能助手Erica，如今其能回答的問題數(shù)量已從最初的200個增加至700個。
莫伊尼漢表示：“我們將持續(xù)推進自動化智能——或稱‘增強智能’，即人機協(xié)作提升效能——這將對所有業(yè)務(wù)領(lǐng)域產(chǎn)生影響。”（財富中文網(wǎng)）
譯者：中慧言-王芳
美國銀行（Bank of America Corp.）首席執(zhí)行官布萊恩·莫伊尼漢（Brian Moynihan）表示，人工智能正開始對美國經(jīng)濟產(chǎn)生更顯著的影響。
莫伊尼漢周一接受彭博電視臺（Bloomberg Television）采訪時指出：“今年以來，人工智能投資持續(xù)積累，預(yù)計明年及未來幾年其對經(jīng)濟增長的貢獻將更為突出。人工智能的推動作用正日益增強——盡管并非所有增長都歸因于此，但其帶來的邊際效應(yīng)已相當(dāng)強勁。”
執(zhí)掌美國銀行近15年的莫伊尼漢表示，該行預(yù)測美國明年經(jīng)濟將穩(wěn)健增長，預(yù)計增速達2.4%，高于2025年約2%的水平。他同時提到，勞動力市場雖初現(xiàn)疲軟，但這更像是就業(yè)市場向常態(tài)水平的回歸。
近幾個月，隨著投資者爭相押注這一領(lǐng)域，包括OpenAI在內(nèi)的多家AI公司已募集數(shù)十億美元資金。但亞馬遜（Amazon.com Inc.）創(chuàng)始人杰夫·貝佐斯（Jeff Bezos）等業(yè)界高管警告，當(dāng)前人工智能支出存在“產(chǎn)業(yè)泡沫”，可能導(dǎo)致投資損失，不過長遠來看仍將惠及社會。
莫伊尼漢認為，鑒于人工智能行業(yè)主要由少數(shù)企業(yè)主導(dǎo)，即使該領(lǐng)域出現(xiàn)過熱并后續(xù)收縮，其對整體經(jīng)濟——包括消費者和就業(yè)市場——帶來的風(fēng)險仍相對有限。
他解釋道：“作為貸款方，我們會評估這些項目的杠桿水平，確保風(fēng)險可控，并核實數(shù)據(jù)中心承租方承諾的合同期限。”
莫伊尼漢在采訪中透露，美國銀行自身也在應(yīng)用人工智能技術(shù)。該行于2018年推出了智能助手Erica，如今其能回答的問題數(shù)量已從最初的200個增加至700個。
莫伊尼漢表示：“我們將持續(xù)推進自動化智能——或稱‘增強智能’，即人機協(xié)作提升效能——這將對所有業(yè)務(wù)領(lǐng)域產(chǎn)生影響。”（財富中文網(wǎng)）
譯者：中慧言-王芳
Bank of America Corp. Chief Executive Officer Brian Moynihan said that artificial intelligence is starting to have a bigger impact on the US economy.
“The AI investment’s been building during the year and is probably a bigger contributor next year and the years beyond,” Moynihan said Monday in a Bloomberg Television interview. “AI is kicking in more and more, and so it’s not all attributable to AI, but that’s having a marginal impact that’s pretty strong.”
Moynihan, who has led the bank for nearly 15 years, said the firm is predicting a strong economy for the US next year, with expected growth of 2.4%, up from about 2% in 2025. While the labor market has started to get softer, it appears that it’s more of a normalization for jobs, Moynihan said.
AI companies including OpenAI have been pulling in billions of dollars of funds in recent months as investors are eager to bet on the industry. But executives such as Amazon.com Inc. founder Jeff Bezos have warned that AI spending is an “industrial bubble” that could lead to lost investment, but will ultimately help society.
Moynihan said his bank sees relatively limited risk to the economy — including the impact on consumers and job losses — if the AI industry became too overheated and had to pull back, given that the sector is composed of a narrow group of companies.
“As a lender we look at the leverage on these projects and make sure we’re comfortable with that and the duration of the contract by the person who’s going to commit to use the data center,” Moynihan said.
The bank itself is also using artificial intelligence, he said in the interview. The company launched Erica, its agent bot, in 2018. Now, Erica can answer 700 questions, up from 200, Moynihan said.
“We’ll be applying more and more of automated intelligence — or augmented intelligence, as we call it, with a person using AI, using that to be more effective — and that’ll affect all the businesses,” Moynihan said.
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