end 破壞 ani wid oca step ogr 依賴 背景

外刊晨讀
2018 年 年 5 月 月 15 日
Artificial Intelligence in Business
商業中的人工智能
GrAIt Expectations
遠大前程
LIE DETECTORS ARE not widely used in business, but Ping An, a Chinese
insurance company, thinks it can spot dishonesty. The company lets customers apply
for loans through its app. Prospective borrowers answer questions about their income

and plans for repayment by video, which monitors around 50 tiny facial expressions
to determine whether they are telling the truth. The program, enabled by artificial
intelligence (AI), helps pinpoint customers who require further scrutiny.

測謊儀並未在企業中廣泛應用，但中國平安保險公司相信自己能探測謊言。
這家公司讓客戶通過它的一款應用程序來申請貸款。未來的貸款人在視頻中回答

有關收入和還款計劃的問題。視頻會監測他們的大概 50 個細微面部表情，判斷
他們是否在說真話。這套人工智能（AI）驅動的程序幫助篩查出需要進一步審核
的客戶。

The path ahead is exhilarating but perilous. Around 85% of companies think AI will
offer a competitive advantage, but only one in 20 is “extensively” employing it today,
according to a report by MIT’s Sloan Management Review and the Boston Consulting

Group. Large companies and industries, such as finance, that generate a lot of data,
tend to be ahead and often build their own AI-enhanced systems. But many firms will
choose to work with the growing array of independent AI vendors, including cloud
providers, consultants and startups.

前路令人振奮卻也危險重重。根據麻省理工學院的《斯隆管理評論》和波士
頓咨詢集團聯合撰寫的報告，約 85％的企業認為 AI 將帶來競爭優勢，但只有 5％
的公司正在“廣泛”地使用它。生成大量數據的大企業和金融等行業往往走在前
頭，常常建立自己的 AI 增強系統。但許多企業會選擇與隊伍不斷擴大的獨立 AI
供應商合作，包括雲供應商、咨詢公司和創業公司等。
This is not just a corporate race but an international one, too, especially between
America and China. Chinese firms have an early edge, not least because the
government keeps a vast database of faces that can help train facial-recognition
algorithms; and privacy is less of a concern than in the West.
There will be plenty of opportunities to stumble. One difficult issue for companies
will be timing. Roy Bahat of Bloomberg Beta, a venture-capital firm, draws a
parallel between now and the first dotcom boom of the late 1990s: “Companies are
flailing to figure out what to spend money on.” If they invest huge sums in AI early
on, they run the risk of overcommitting themselves or paying large amounts for
worthless startups, as many did in the early days of the internet. But if they wait too
long, they may leave themselves open to disruption from upstarts, as well as from
rivals that were quicker to harness technology.

這不僅是一項企業競賽，也是一場國際競逐——尤其在中美之間。中國企業
有一個先發優勢，這主要是因為中國政府擁有一個龐大的人臉數據庫，可以用來
訓練面部識別算法。而且，與西方相比，中國人對隱私也不那麽關切。
跌跤的機會很多。企業面臨的難題之一是對時機的把握。風險投資公司
Bloomberg Beta 的羅伊•巴哈特（Roy Bahat）把眼下的狀況比作上世紀 90 年代末
的首個互聯網泡沫期：“對於該往哪兒投錢，企業無所適從。”如果它們早早地在
AI 上投入巨資，就要冒著對一文不值的創業公司過度依賴或為之浪費大筆金錢
的風險，就像互聯網早期許多公司的經歷那樣。但如果它們等得太久，又有可能
把自己置於被市場新貴顛覆的境地，還可能被更快掌握了新技術的競爭對手沖擊。
背景介紹
Dotcom Boom 是指 1995 年至 2000 年期間出現的巨大互聯網投資泡沫，在
此期間各種互聯網初創公司市值飆漲，人們對“.com”和“e 字母打頭”的公司
瘋狂投資，以獲取巨額利益，這在當時成為可能。股價的飆升和買家炒作的結合，
以及風險投資的廣泛利用，使得這些企業摒棄了標準的商業模式，大部分缺乏切
實可行的計劃和管理能力。直到約 2000，2001 年，許多公司都面臨破產，互聯
網行業的繁榮也就宣告終結。
單詞
spot [sp?t]
vt. 認出，發現
例：
If you spot any mistakes in the book just mark them out.
如果你發現書中有錯誤，請標出來。
monitor [?m?n?t?r]
vt. 監控，監測
例：
The CIA had been closely monitoring their activities.
中央情報局密切地監視著他們的活動。
pinpoint [?p?np??nt]
vt. 準確指出，確定
例：
He was able to pinpoint the precise location of the village.
他能準確找出那個村莊的位置。
scrutiny [?skru?t?ni]
n. 審查
例：
But it takes collective scrutiny and acceptance to transform a discovery claim into a
mature discovery.
但是將一項發現的申明轉變為一項成熟的發現是需要集體的審查和接受的。
（2012 年考研英語一閱讀理解 Part A Text 3）
exhilarating [?ɡ?z?l?re?t??]
adj. 令人興奮的
例：
My first bungee jumping was an exhilarating experience.
我第一次蹦極的經歷很令人興奮。
perilous [?per?l?s]
adj. 非常危險的
例：
It was a perilous journey.
那是一次冒險的旅程。
array [??re?]
n. 一系列，一批，大量
例：
There was a vast array of colours to choose from.
有各種各樣的顏色可供選擇。
vendor [?vend?r]
n. 供應商，廠商
例：
The company has signed a partnership agreement with Chinese software vendor.
這個公司與中國的一家軟件供應商簽署了一份合作協議。
algorithm [?ælɡ?r?ð?m]
n. 算法
例：
An algorithm is a list of steps to follow in order to solve a problem.
算法是用來解決特定問題的一系列步驟。
stumble [?st?mbl]
vi. 絆倒
例：
She stumbled over a log.
她被一塊木頭絆了一跤。
draw a parallel
作對比
例：
It would be easy to draw a parallel between the two cultures.
將這兩種文化作個比較很容易就會發現二者的相似之處。
boom [bu?m]
n. 繁榮
例：
He made a fortune during the property boom.
在房地產繁榮時期他賺了大錢。
flail [fle?l]
vi. & vt. 揮動，胡亂擺動
例：
His arms were flailing in the air.
他的雙臂在空中胡亂揮舞著。
disruption [d?s?r?p?n]
n. 毀壞
例：
But today, a disruption to family fortunes can no longer be made up with extra
income from an otherwise-stay-at-home partner.
但如今，家庭財富的破壞再也不能由其他家庭成員的額外收入來彌補了。（2007
年考研英語閱讀理解 Part A Text 3）
harness [?hɑ?rn?s]
vt. 利用，控制
例：
They are very interested in harnessing new sources of power.
他們對開發利用新能源非常感興趣。
長難句
If they invest huge sums in AI early on, they run the risk of overcommitting
themselves or paying large amounts for worthless startups, as many did in the early
days of the internet.

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