法兰克福，10月26日电：德意志银行新任技术主管Marie-Jeanne Deverdun周六告诉路透社，人工智能正帮助该行将部分中小企业贷款的决策时间从数周缩短至仅几分钟。
FRANKFURT, Oct 26 : AI is helping Deutsche Bank cut decisions for some smaller corporate lending from weeks to just minutes, its new technology chief Marie-Jeanne Deverdun told Reuters.
Deverdun表示，该项目于今夏上线，还将部分跨国企业贷款的决策时间从数月缩短至数周。她于今年加入德意志银行管理董事会。
The project, which went live in the summer, also reduces the time taken to make some lending decisions for multinational corporations from months to weeks, said Deverdun, who joined Deutsche Bank's management board this year. "For smaller corporates, which are less complicated in their setup and their legal structure, we're talking weeks to minutes," Deverdun said in an interview.
“对于架构和法律结构相对简单的中小企业，我们说的是从数周到几分钟，”Deverdun在接受采访时说。
Deverdun said Deutsche Bank is also preparing for a future when its AI agents will interact directly with clients' own agents, as lenders are drawn into the debate among technology leaders over whether AI development is moving too fast.
Deverdun表示，德意志银行也在为未来做准备，届时其AI代理将直接与客户自己的代理互动，因为贷款机构被卷入了技术领袖关于AI发展是否过快的辩论中。
"We are watching that debate carefully.
“我们正密切关注那场辩论。这些担忧非常合理，显然，网络风险管理是我的第一要务，”她说。
These are very valid concerns, and, obviously, the management of cyber risk is my number one priority," she said.
她补充道：“我们投入了大量资源和预算，以继续保护银行免受这些新技术和威胁的侵害。”
"We're spending a lot of resources and budget to continue to protect the bank from those new technologies and threats," she added.
随着贷款机构竞相部署该技术，同时在回报和安全威胁之间寻求平衡，银行业监管机构正在加大力度遏制日益增长的AI风险。
Banking regulators are stepping up efforts to contain growing AI risk as lenders race to deploy the technology while balancing questions over returns and security threats.
作为德国最大的贷款机构，德意志银行计划在2026年至2028年间投入超过25亿欧元（约合28亿美元）用于技术支出。相比之下，摩根大通为2026年预算了200亿美元。银行业希望AI能削减成本并提高生产力。
Deutsche Bank, Germany's largest lender, plans more than €2.5 billion ($2.80 billion) in tech spending between 2026 and 2028. By comparison, JPMorgan is budgeting $20 billion for 2026. Banks hope AI will trim costs and boost productivity.
英国巴克莱银行上周表示，随着使用该技术，今年将削减约5000个岗位，占其员工总数的5%。花旗集团表示，AI现在开发产品的成本更低，速度最快可提高40%。
Britain's Barclays said last week it was cutting around 5,000 jobs or 5 per cent of its workforce this year as it uses the technology. Citigroup has said AI was now developing products at lower cost and up to 40 per cent faster.
与此同时，主要美国银行已开始阻止第三方AI代理在客户账户内运行，以应对人们对复杂的AI代理可能损害银行系统及受托保管人们财富的机构的担忧。
Major US banks, meanwhile, have begun blocking third-party AI agents from operating inside customer accounts in response to concerns that sophisticated AI agents could harm the banking system and the institutions trusted to hold people's wealth.
德意志银行首席执行官克里斯蒂安·塞温表示，他希望将德意志银行打造成为“一家真正由人工智能驱动的银行”，此前他的前任曾在2015年表示，该行的系统“支离破碎、笨重繁琐，且往往根本不兼容”。
Deutsche Bank CEO Christian Sewing has said he wants to make Deutsche "a truly AI-powered bank" after his predecessor said in 2015 its systems were "disjointed, cumbersome and far too often just plain incompatible".
俄乌战争爆发后，德意志银行不得不将其技术人员从俄罗斯撤出，目前仍在精简一系列平台，尽管该行称近期已取得一些进展。
After the Ukraine war began, Deutsche Bank had to move its tech staff out of Russia and it is still streamlining an array of platforms, although it has cited some recent progress.
德韦尔登表示，德意志银行已建立一个名为ADA的内部人工智能平台，以计算机先驱艾达·洛夫莱斯命名，用于开发、监控和控制AI智能体。
Deverdun said Deutsche Bank had built an internal AI platform known as ADA, named after computing pioneer Ada Lovelace, to develop, monitor and control AI agents.
她表示，ADA使该行能够监管智能体活动、管理风险，并在技术演进过程中在不同AI模型间切换。
ADA allows the bank to oversee agent activity, manage risk and switch between AI models as technology evolves, she said.
她补充道：“我们已在为智能体经济做准备，届时我们的智能体将与客户的智能体互动，并具备明确的问责机制和适当的控制措施。”
"We're already preparing for an agentic economy where our agents interact with the agents of our clients with clear accountability and the right controls," she added.