The Capability Evaluation of GPT-4 and Claude on Financial Domain with DIKWP+TIF Analysis

April 2023

DOI: 10.13140/RG.2.2.22186.29123

https://www.researchgate.net/publication/370131484_The_Capability_Evaluation_of_GPT-4_and_Claude_on_Financial_Domain_with_DIKWPTIF_Analysis

AGI-AIGC-GPT测评DIKWP（全球）实验室

（测评报告系列之十三）

The Capability Evaluation of GPT-4 and Claude on Financial Domain with DIKWP+TIF Analysis

GPT-4 与Claude的DIKWP+TIF综合能力评测报告

Fuliang Tang^1,2, Yucong Duan^1,2*,  Erxiang Dou^1,3,  Yong Yang³

22210812000006@hainan.edu.cn, duanyucong@hotmail.com

AGI-AIGC-GPT Test and Evaluation DIKWP (Global) Lab¹

DIKWP research group, Hainan University²

Peking University³

1. 摘要

随着大型语言模型（LLMs）的大量涌现，当前通用人工智能（AGI）和GPT技术的发展引起了广泛关注。目前在 AGI/GPT 问题上，针对大型语言模型生成能力的的评价测试方法大多基于若干封闭任务、评价者 主观感受或者认知经验，缺乏全面覆盖、评价客观和过程统一的针对AGI/GPT场景的评价框架和评测标准。本文将DIKWP模型和TIF模式相结合，分被对GPT-4和Claude进行了金融治理问题的处理。在DIKWP与TIF结合的过程中，我们设计了三种结合方式，根据GPT-4和Claude在三种结合模式的前提下给出的治理方案进行了比较，为AGI/GPT金融测试提供了一个新的视角和方法，并为未来AGI/GPT模型的改进和发展提供了有益参考。

Keywords: GPT-4, Claude,DIKWP,TIF, AGI, Financial, LLM

2. 简介

人工智能（AI）领域的一个终极目标是通用人工智能(AGI)[1]，也就是能够在任何人类专业领域内展现出与人类相当或超越的智能水平的AI。近年来，AGI相关的技术在文本处理、机器翻译、图片处理等方面取得了巨大的进步，极大地提升了人类对数字资源的意图理解能力。然而，如何客观有效地评估AGI在金融领域的智能水平和能力范围仍然是一个难题。现有的AGI评价测试方法大多依赖于主观认知经验，缺乏一个统一的评价体系和评测标准。本研究旨在建立一个基于数据、信息、知识、智慧和意图（DIKWP）模型和TIF模式的AGI金融测试体系。我们将DIKWP与TIF的结合定义为3中模式：1.先TIF后DIKWP；2、TIF中DIKWP；3、先DIKWP后TIF。本文的特色是以金融治理的解决方案输出为目的，分别让GPT-4和Claude独立输出其对DIKWP与TIF的理解之后让两个模型分别回答金融治理问题并给出合理的解决方案。本研究为AGI评价测试提供了一个新的视角和方法，并为未来AGI模型的改进和发展提供了有益参考。

3. GPT-4的DIKWP + TIF应用示例

我们将首先测试GPT-4对DIKWP、TIF以及DIKWP与TIF结合的理解能力。然后让GPT-4在我们制定的三种DIKWP与TIF的结合模式下，回答金融治理的相关问题，并给出一定的解决方案。

DIKWP与TIF结合的3中模型：

1. 先做TIF处理，再做DIKWP处理，综合给出解决方案

2. 在做TIF处理的同时，在TIF的各层次中做DIKWP处理，进而给出解决方案

3. 先做DIKWP处理，再做TIF处理，综合给出解决方案

3.1 GPT-4对TIF与DIKWP的理解

Prompt:

什么是塔福域TIF（Technology、Industry、Finance）

GPT-4回答：

塔福域（TIF）是一个将科技（Technology）、产业（Industry）和金融（Finance）三个领域结合在一起的概念。这个概念旨在强调这三个领域之间的相互关联和协同作用，以促进经济增长和社会发展。

1. 科技（Technology）：科技作为一种驱动力，为各行各业提供了新的机遇和挑战。科技的发展和创新可以提高生产效率、降低成本、创造新的产品和服务，从而改变产业结构和市场竞争格局。

2. 产业（Industry）：产业是一个国家或地区经济发展的基础。产业的发展和升级需要科技创新和金融支持。同时，产业的变革和发展也为科技和金融领域提供了更多的投资和发展机会。

3. 金融（Finance）：金融作为经济活动的核心，为实体经济提供资金和风险管理服务。金融机构通过投资科技创新和产业发展项目，为科技和产业领域提供资金支持。金融市场的稳定和繁荣有利于创新和产业发展，从而促进整个经济体系的健康发展。

总之，TIF（Technology、Industry、Finance）概念强调了科技、产业和金融领域之间的密切联系和协同作用，这种协同作用有助于实现可持续的经济增长和社会发展。

Prompt:

DIKWP（Data、Information、Knowledge、Wisdom、Purpose）与塔福域TIF（Technology、Industry、Finance）结合，解决金融问题

GPT-4回答：

DIKWP（Data、Information、Knowledge、Wisdom、Purpose）框架是一个描述数据、信息、知识、智慧和目的之间关系的概念模型。将DIKWP与塔福域TIF（Technology、Industry、Finance）结合，可以帮助我们更好地理解和解决金融问题。以下是将DIKWP与TIF结合的示例：

1. 数据（Data）：在金融领域，收集各种金融数据，如股票价格、汇率、利率、财务报表等。利用科技手段对数据进行整合和分析，有助于我们更好地了解金融市场的运行情况。

2. 信息（Information）：基于收集到的金融数据，利用科技工具进行处理、筛选和分析，从而得到有用的信息。例如，通过对财务报表数据的分析，可以了解一家公司的经营状况和盈利能力。

3. 知识（Knowledge）：将信息整合成系统化的知识，如金融理论、模型和策略。在产业领域，金融知识可以帮助企业更好地进行投资决策、风险管理和资本运作。

4. 智慧（Wisdom）：在金融实践中运用知识，发挥创新精神，形成对金融市场的深刻理解和洞察力。科技与金融的结合可以帮助我们更好地理解金融市场的规律，提高金融决策的效率和准确性。

5. 目的（Purpose）：明确金融活动的目的，如实现财富增值、风险控制、支持实体经济等。金融、科技和产业领域的协同作用可以帮助实现这些目标，推动金融市场的稳定和发展。

通过将DIKWP与TIF相结合，我们可以更好地利用科技手段收集和分析金融数据，形成有价值的信息和知识。同时，在金融实践中运用这些知识和智慧，为产业领域提供有效的金融服务，实现金融市场的稳定和繁荣。这种协同作用有助于解决金融问题，促进经济增长和社会发展。

Prompt:

请给出详细流程

GPT-4回答：

将DIKWP（Data、Information、Knowledge、Wisdom、Purpose）与塔福域TIF（Technology、Industry、Finance）结合，可以形成一个详细的流程，以解决金融问题。以下是一个示例流程：

1. 数据收集（Data）：

a.确定需要收集的金融数据类型，如股票价格、汇率、利率、财务报表等。

b.使用科技手段（如网络爬虫、API接口、数据库等）收集相关金融数据。

c.对收集到的数据进行清洗、整理和存储，以便后续分析。

2. 信息提取（Information）：

a.使用科技工具（如数据分析软件、人工智能技术等）对整理好的数据进行处理和分析。

b.从数据中提取有价值的信息，例如市场走势、公司盈利能力等。

c.将提取到的信息进行归类和整理，以便后续运用。

3. 知识构建（Knowledge）：

a.结合金融理论、模型和策略，将提取到的信息整合成系统化的知识。

b.分析金融市场的规律，为产业领域提供有针对性的投资建议和风险管理方案。

c.利用科技手段（如机器学习、人工智能等）不断优化和更新知识体系。

4. 智慧应用（Wisdom）：

a.在金融实践中运用知识，发挥创新精神，进行有效的金融决策。

b.结合科技手段，提高金融决策的效率和准确性，降低风险。

c.分析金融市场的变化，及时调整金融策略，以适应市场需求。

5. 目的实现（Purpose）：

a.明确金融活动的目的，如实现财富增值、风险控制、支持实体经济等。

b.评估金融、科技和产业领域的协同作用对金融目标的实现程度。

c.根据评估结果，调整金融策略和行动方案，以更好地实现金融目标。

通过遵循这个流程，我们可以利用DIKWP与TIF相结合的方法解决金融问题。这种协同作用有助于更好地利用科技手段收集和分析金融数据，形成有价值的信息和知识，并在金融实践中运用这些知识和智慧，为产业领域提供有效的金融服务，实现金融市场的稳定和繁荣。这样的流程不仅有助于解决金融问题，还可以促进经济增长和社会发展。

3.2 GPT-4的DIKWP+TIF应用回答

Prompt:

某农村小微企业经营家具生产，希望获得银行贷款扩大生产规模。然而，该企业在申请贷款时遇到了诸多困难，如缺乏抵押物、无法提供完整的财务报表和较低的信用评级。由于这些原因，农村商业银行在审批贷款时，可能会将贷款额度降低，提高利率或拒绝发放贷款。

先在TIF（技术、产业、金融）层面处理，之后运用DIKWP（数据、信息、知识、智慧、意图）处理

GPT-4回答：

在这个案例中，我们首先在TIF（Technology、Industry、Finance）层面处理问题，然后运用DIKWP（Data、Information、Knowledge、Wisdom、Purpose）进行优化。表格形式输出如下：

在这个案例中，我们首先在TIF（Technology、Industry、Finance）层面处理问题，然后运用DIKWP（Data、Information、Knowledge、Wisdom、Purpose）进行优化。

1. TIF层面处理：

a. 技术（Technology）：

· 应用大数据分析技术，更准确地评估企业的信用状况和还款能力。

· 利用区块链技术，提高企业信用信息的透明度和可追溯性，降低信用风险。

· 采用人工智能和机器学习技术，优化风险评估模型，提高贷款审批的准确性和效率。

b. 产业（Industry）：

· 政府和行业协会为农村小微企业提供培训和指导，帮助企业完善财务报表和提高信用评级。

· 加强产业链协同，帮助小微企业拓展市场，提高企业的盈利能力和抗风险能力。

· 鼓励企业与其他产业合作，通过产业融合实现互利共赢，降低单一产业带来的风险。

c. 金融（Finance）：

· 银行适当降低农村小微企业融资的抵押要求，采用信用贷款、担保贷款等方式解决抵押物不足的问题。

· 银行尝试简化贷款审批流程，提高贷款审批效率，降低企业融资成本。

· 银行与政府合作，发挥政策性金融工具作用，加大对农村小微企业的信贷支持力度。

2. DIKWP层面处理：

a. 数据（Data）：

· 收集农村小微企业的各类数据，包括产业数据、运营数据、财务数据等。

· 对收集到的数据进行清洗、整理，确保数据质量和准确性。

b. 信息（Information）：

· 通过数据分析，提取企业的关键信息，如盈利能力、信用状况、市场需求等。

· 将提取到的信息进行归类和整理，方便后续运用。

c. 知识（Knowledge）：

· 结合金融理论、模型和策略，将提取到的信息整合成系统化的知识，以评估企业的贷款需求和风险。

· 分析企业的行业特点和市场规律，为银行提供有针对性的融资建议。

d. 智慧（Wisdom）：

· 在金融实践中运用知识，发挥创新精神，进行有效的贷款决策。

· 根据市场变化和需求，灵活调整金融策略，降低风险，提高融资效率。

 e. 目的（Purpose）：

· 确定金融活动的目的，如支持农村小微企业发展、促进地区经济增长等。

· 评估金融、科技和产业领域的协同作用对金融目标的实现程度。

· 根据评估结果，调整金融策略和行动方案，以更好地实现金融目标。

通过先在TIF层面处理问题，然后运用DIKWP进行优化，我们可以更全面地解决农村小微企业在申请贷款时遇到的困难。这种方法有助于优化金融决策，降低风险，提高融资效率，从而支持农村小微企业的发展壮大，推动农村经济的繁荣和发展。

Prompt:

某农村小微企业经营家具生产，希望获得银行贷款扩大生产规模。然而，该企业在申请贷款时遇到了诸多困难，如缺乏抵押物、无法提供完整的财务报表和较低的信用评级。由于这些原因，农村商业银行在审批贷款时，可能会将贷款额度降低，提高利率或拒绝发放贷款。

先在TIF（技术、产业、金融）层面处理，并且在每层中使用DIKWP（数据、信息、知识、智慧、意图）进行优化

GPT-4回答：

在这个案例中，我们将在TIF（Technology、Industry、Finance）层面处理问题，并在每层中运用DIKWP（Data、Information、Knowledge、Wisdom、Purpose）进行优化。以表格形式输出

通过在TIF层面处理问题，并在每层中运用DIKWP进行优化，我们可以更全面地解决农村小微企业在申请贷款时遇到的困难。这种方法有助于提高金融服务的针对性和有效性，降低融资风险，提高融资效率，从而支持农村小微企业的发展壮大，推动农村经济的繁荣和发展。

总结起来，这个方法将帮助银行更好地理解企业的需求和风险状况，为企业提供量身定制的金融服务。同时，企业也可以借此机会提高自身的管理水平、技术应用和产业竞争力，更好地应对融资难、融资贵等问题，实现可持续发展。

Prompt:

某农村小微企业经营家具生产，希望获得银行贷款扩大生产规模。然而，该企业在申请贷款时遇到了诸多困难，如缺乏抵押物、无法提供完整的财务报表和较低的信用评级。由于这些原因，农村商业银行在审批贷款时，可能会将贷款额度降低，提高利率或拒绝发放贷款。

先进行DIKWP（数据、信息、知识、智慧、意图）分析，在此基础上使用TIF（技术、产业、金融）给出解决方案。

GPT-4回答：

在这种情况下，我们可以通过DIKWP（数据、信息、知识、智慧、意图）分析来理解农村小微企业的需求和面临的困难。接下来，我们将使用TIF（技术、产业、金融）方法提出解决方案。

在这种情况下，我们可以通过DIKWP（数据、信息、知识、智慧、意图）分析来理解农村小微企业的需求和面临的困难。接下来，我们将使用TIF（技术、产业、金融）方法提出解决方案。

1. 数据（Data）：收集农村小微企业的基本信息，包括企业规模、员工数量、生产能力、销售额等。同时，收集与申请贷款相关的数据，如抵押物、财务报表、信用评级等。

2. 信息（Information）：分析收集到的数据，找出企业在申请贷款过程中遇到的主要问题，例如缺乏抵押物、无法提供完整的财务报表和较低的信用评级。

3. 知识（Knowledge）：了解农村小微企业在申请贷款时可能面临的其他问题，如政策限制、行业风险等。同时，了解银行在审批贷款时的主要关注点，例如还款能力、信用风险等。

4. 智慧（Wisdom）：运用知识，为农村小微企业制定合适的发展战略，从而提高融资成功的可能性。

5. 意图（Purpose）：帮助农村小微企业解决融资难题，实现扩大生产规模的目标。

基于以上分析，我们可以使用TIF（技术、产业、金融）方法提出以下解决方案：

1. 技术（Technology）：引入现代化的生产技术和管理系统，提高企业的生产效率和盈利能力，从而增加银行贷款的可行性。同时，采用数字化技术记录和管理企业财务数据，以提供更完整的财务报表。

2. 产业（Industry）：与相关产业合作，实现产业链上下游的资源共享，提高市场竞争力。例如，与原材料供应商建立长期合作关系，降低原材料成本；与其他家具生产企业合作，拓展销售渠道。

3. 金融（Finance）：寻求多种金融渠道，以解决融资难题。例如，与政府相关部门联系，了解政策支持和补贴；申请政策性银行、农村信用社等小额贷款；寻求社会资本、民间借贷等非正规融资渠道；或者与其他同行或有实力的企业合作，共同承担融资风险。此外，可以尝试通过融资租赁、供应链金融等方式，减轻融资压力。

4. Claude的DIKWP + TIF应用示例

我们将首先测试Claude对DIKWP、TIF以及DIKWP与TIF结合的理解能力。然后让Claude在我们制定的三种DIKWP与TIF的结合模式下，回答金融治理的相关问题，并给出一定的解决方案。

4.1 Claude对TIF与DIKWP的理解

Prompt:

什么是塔福域TIF（Technology、Industry、Finance）

GPT-4回答：

塔福域TIF是指科技(Technology)、产业(Industry)和金融(Finance)三个领域。它代表的是三大产业的融合发展。

具体来说:

1. 科技(Technology):指信息技术、人工智能、生物技术、新能源技术等领域。这些技术的发展和创新,在推动经济和社会进步方面发挥着越来越重要的作用。

2. 产业(Industry):指传统产业与新兴产业,例如汽车、医疗、教育、文娱等领域。这些实体产业与科技的结合,正在产生新的业态和模式,改变着我们生活和工作的方式。

3. 金融(Finance):指为科技创新和产业升级提供资金支持的金融服务领域,例如风投、创业投资、科创板等。金融与科技和产业的深度融合,可以加速创新成果的产业化和商业化。

综上,TIF代表的就是这三大领域的深度融合与互动,以产生协同效应。它们相互依存、互相促进,共同催生新技术、新产品、新业态和新模式,从而推动经济发展和社会进步。可以说,TIF已经成为当今世界经济发展的重要特征和方向。掌握TIF的发展趋势,对企业和投资者来说都具有重要意义。所以,简单地说,塔福域TIF就是科技、产业与金融领域融合互动发展的总称。它代表了新经济运行和发展的重要方向。

Prompt:

DIKWP（Data、Information、Knowledge、Wisdom、Purpose）与塔福域TIF（Technology、Industry、Finance）结合，解决金融问题

GPT-4回答：

DIKWP与TIF的结合可以很好地应用于解决金融领域的问题:

1. Data(数据):金融领域产生和积累了大量的数据,含表格数据、文本数据、时间序列数据等。利用人工智能等技术可以实现数据的采集、清洗、整合和分析,发现数据中的规律和异常,为决策提供支持。

2. Information(信息):从金融数据中提取和生成不同粒度的信息,进行信息融合和推理,得到更为全面和准确的信息,为金融决策和监控提供信息保障。

3. Knowledge(知识):金融专家和策略师拥有丰富的领域知识。结合人工智能技术实现知识的表征、组织和推理,形成知识图谱等知识产品,使机器也具有金融领域的专业知识。

4. Wisdom(智慧):用机器智能模拟和延伸人的金融智慧,在数据、信息和知识的基础上进行综合判断和敏锐洞察,达到解决复杂金融问题的最优策略和方案。

5. Purpose(目标):金融活动的最终目的是服务实体经济,满足投资者的资金需求等。结合科技与产业,满足不同投资者和金融主体的目标需求,实现金融资源的合理配置。

从这个过程可以看出,DIKWP与TIF的结合,是一条从数据到目标的过程。通过人工智能技术,实现数据分析、信息获取、知识表达和智慧发挥,最终满足金融经济活动的各种目的。这是金融科技发展的方向,也为金融机构和企业转型提供了路径可选项。整体来说,这是一个信息技术与金融深度融合的过程,其目的是赋能金融产业变革和升级。

所以,DIKWP与TIF的结合,代表着数据、技术与金融的融合,是金融科技发展的重要特征,且为金融机构和企业的数字化转型提供了解决方案。通过这一结合,可以赋能金融业务变革与创新,实现金融设计、生产与流通的重构。

4.2 Claude的DIKWP+TIF应用回答

Prompt:

某农村小微企业经营家具生产，希望获得银行贷款扩大生产规模。然而，该企业在申请贷款时遇到了诸多困难，如缺乏抵押物、无法提供完整的财务报表和较低的信用评级。由于这些原因，农村商业银行在审批贷款时，可能会将贷款额度降低，提高利率或拒绝发放贷款。

先在TIF（技术、产业、金融）层面处理，之后运用DIKWP（数据、信息、知识、智慧、意图）处理

GPT-4回答：

从TIF的角度来看,该问题可以以下几个方面来解决:

1. 技术:可以利用金融科技手段,通过对企业的经营和资金流数据进行分析,评估企业的信用风险与偿债能力,为审批提供决策支持。这可以弥补传统评估中对财务报表和抵押物的依赖。

2. 产业:可以发现该企业所在的家具行业整体情况,行业前景与客户群体等,判断企业的发展潜力。并关注行业内其他类似企业的融资情况,采取针对性政策,促进该产业的发展与升级。

3. 金融:商业银行可以采用针对农村小微企业的定制化金融产品,如基于供应链金融的产业链贷款、联合 Other FIs 共同为企业提供融资担保等。这需要金融机构的业务变革与创新。

然后,从DIKWP的角度,商业银行可以:

1. 收集和分析更多企业的业务数据和财务数据,评估其还款能力,做出审批决策。

2. 综合各方面信息,准确判断企业发展前景与面临的风险,作出审慎的贷款额度决定。

3. 利用金融领域专业知识,针对小微企业的特点设计定制化的审批规则与贷款产品。

4. 基于对产业与区域发展的判断,采取扶持政策与措施,满足小微企业的融资需求,实现区域经济协调发展。

5. 以支持实体经济发展为目的,通过科技手段提高审批效率与贷款可得性,满足不同类型小微企业的融资需求。综上,银行既需要业务转型与技术创新,也需要发挥政策扶持作用。通过TIF与DIKWP的结合,利用数据与技术提高审批的精准性,运用专业知识设计定制化产品,以实体经济为导向,不断满足小微企业金融服务的多样化需求。这是实现普惠金融的必由之路。

Prompt:

某农村小微企业经营家具生产，希望获得银行贷款扩大生产规模。然而，该企业在申请贷款时遇到了诸多困难，如缺乏抵押物、无法提供完整的财务报表和较低的信用评级。由于这些原因，农村商业银行在审批贷款时，可能会将贷款额度降低，提高利率或拒绝发放贷款。

先在TIF（技术、产业、金融）层面处理，并且在每层中使用DIKWP（数据、信息、知识、智慧、意图）进行优化

GPT-4回答：

综上,在TIF的每个层面中融入DIKWP,可以实现信息与资源的有效管理与配置。通过技术手段增强审批能力,利用产业知识准确判断企业价值,运用金融工具满足不同资金需求。这是商业银行实施普惠金融、服务实体经济的integrated方案。

Prompt:

某农村小微企业经营家具生产，希望获得银行贷款扩大生产规模。然而，该企业在申请贷款时遇到了诸多困难，如缺乏抵押物、无法提供完整的财务报表和较低的信用评级。由于这些原因，农村商业银行在审批贷款时，可能会将贷款额度降低，提高利率或拒绝发放贷款。

先进行DIKWP（数据、信息、知识、智慧、意图）分析，在此基础上使用TIF（技术、产业、金融）给出解决方案。

GPT-4回答：

首先从DIKWP的角度进行分析:

1. 数据:收集企业经营数据与财务数据,利用金融科技评估其还款能力与信用风险,为审批决策提供依据。

2. 信息:综合行业动态、政策环境以及类似案例,判断企业发展潜力与面临的风险,准确把握企业实际情况。

3. 知识:运用金融与产业知识对企业进行全面分析与评估,制定切实可行的审批方案。  

4. 智慧:模仿金融专家的思维模式与决策过程,在风控可控的前提下采取适当的审批策略,满足企业资金需求。

5. 意图:目的是支持小微企业发展,服务实体经济,实现局部区域的經濟增長。

在此基础上,可以从TIF的角度给出以下解决方案:

1. 技术:利用AI等技术手段提高审批效率与准确性,开发小微企业定制化的风险评估模型和决策系统。

2. 产业:密切跟踪家具行业动态,采取扶持政策与措施,引导资源流向高增长的企业与区域。提供行业资讯与成功案例,指导其他企业转型升级。 

3. 金融:设计小微企业专属的审批流程与贷款产品。针对不同企业提供差异化服务,联合担保机构共同满足其融资需求。选择适当的利率与期限,保障金融资源有效配置与安全。 

综上,DIKWP的分析可以帮助准确判断企业实际情况与资金需求。在此基础上,采用TIF中的技术手段、产业政策与金融工具,可以实现审批的精准化与产品的定制化,不断推进普惠金融与小微企业融资。这需要商业银行的业务变革与数字化转型,并在风控可控范围内实现差异化措施,从而服务实体经济与区域发展。

5. 实验评估的讨论与结论

从上面应用实例研究可以看出GPT-4和Claude对DIKWP与TIF的理解有明显的差异性，尤其是对TIF的理解，Claude的理解停留在字面意思，它只是对技术、产业、金融的定义进行了简要的解释。相反，GPT-4的理解则更加深刻，能够真正解释出TIF模式的核心意义。

对于我们设计的DIKWP与TIF结合的三种模式，通过GPT-4和Claude的测试，整体来说，第二种模式（先处理TIF在TIF各层次中做DIKWP）对问题给出的回答更加的合理。就两种模型的综合能力水平而言，通过测试结果可以明显的看出它们的回答层次都比较清晰，但是GPT-4回答的更全面并且给出的结果更令人信服，而Claude只是根据问题的描述按流程给出回复对问题的解决给出的回复并不理想甚至不正面解答问题。

综上所述，GPT-4在DIKWP+TIF的支撑下能够解决金融治理问题，并且给出的解答也更加的合理。

Reference

[1] Bubeck, Sébastien, Varun Chandrasekaran, Ronen Eldan, Johannes Gehrke, Eric Horvitz, Ece Kamar, Peter Lee et al. "Sparks of artificial general intelligence: Early experiments with gpt-4." arXiv preprint arXiv:2303.12712 (2023).

[2] Li, Yingbo, Yucong Duan, Zakaria Maamar, Haoyang Che, Anamaria-Beatrice Spulber, and Stelios Fuentes. "Swarm differential privacy for purpose-driven data-information-knowledge-wisdom architecture." Mobile Information Systems 2021 (2021): 1-15.

[3] Mei, Yingtian, Yucong Duan, Liang Chen, Zaiwen Feng, Lei Yu, and Zhendong Guo. "Purpose Driven Disputation Modeling, Analysis and Resolution Based on DIKWP Graphs." In 2022 IEEE 24th Int Conf on High Performance Computing & Communications; 8th Int Conf on Data Science & Systems; 20th Int Conf on Smart City; 8th Int Conf on Dependability in Sensor, Cloud & Big Data Systems & Application (HPCC/DSS/SmartCity/DependSys), pp. 2118-2125. IEEE, 2022.

[4] Yingbo Li, Yucong Duan, “The Wisdom of Artificial General Intelligence: Experiments with GPT-4 for DIKWP”, arXiv preprint (2023)

[5] Yingbo Li, Yucong Duan, “The Evaluation of Experiments of Artificial General Intelligence with GPT-4 Based on DIKWP“, arXiv preprint (2023)

[6] Chengxiang Ren, Yingbo Li, Yucong Duan,“ Evaluation on AGI/GPT based on the DIKWP for ERNIE Bot”, arXiv preprint (2023)

[7] Li, Yingbo & Duan, Yucong. (2023). The Performance Comparison of Artificial General Intelligence models on DIKWP. 10.13140/RG.2.2.23005.49120.

The Capability Evaluation of GPT-4 and Claude on Financial Domain with DIKWP+TIF Analysis

Fuliang Tang^1,2, Yucong Duan^1,2*,  Erxiang Dou^1,3,  Yong Yang³

22210812000006@hainan.edu.cn, duanyucong@hotmail.com

AGI-AIGC-GPT Test and Evaluation DIKWP (Global) Lab¹

DIKWP research group, Hainan University²

Peking University³

1. Summary

With the emergence of large language models (LLMs), the current development of General Artificial Intelligence (AGI) and GPT technology has attracted widespread attention. At present, the evaluation and testing methods for the generation ability of large language models in AGI/GPT problems are mostly based on several closed tasks, subjective feelings or cognitive experiences of evaluators, and lack a comprehensive coverage, objective evaluation, and process unified evaluation framework and standards for AGI/GPT scenarios. This article combines the DIKWP model with the TIF model to address financial governance issues for GPT-4 and Claude. In the process of combining DIKWP with TIF, we designed three combination modes, and compared the governance schemes given by GPT-4 and Claude under the premise of the three combination modes, providing a new perspective and method for AGI/GPT financial testing, and providing a useful reference for the improvement and development of AGI/GPT model in the future.

Keywords: GPT-4, Claude,DIKWP,TIF, AGI, Financial, LLM

2. Introduction

One ultimate goal in the field of artificial intelligence (AI) is universal artificial intelligence (AGI), which is an AI that can demonstrate intelligence levels comparable or superior to humans in any human professional field. In recent years, AGI related technologies have made great progress in text processing, machine translation, image processing, etc., which has greatly improved human understanding of digital resources. However, how to objectively and effectively evaluate the intelligence level and capability range of AGI in the financial field remains a challenge. The existing AGI evaluation and testing methods mostly rely on subjective cognitive experience, lacking a unified evaluation system and evaluation standards. This study aims to establish an AGI financial testing system based on data, information, knowledge, intelligence, and intention (DIKWP) model and TIF pattern. We define the combination of DIKWP and TIF as three modes: 1. TIF first followed by DIKWP; 2. DIKWP in TIF; 3. First DIKWP followed by TIF. The characteristic of this article is to output solutions for financial governance, allowing GPT-4 and Claude to independently output their understanding of DIKWP and TIF, and then allowing the two models to answer financial governance questions and provide reasonable solutions. This study provides a new perspective and method for AGI evaluation testing, and provides useful references for the improvement and development of future AGI models.

3. DIKWP+TIF application for GPT-4

We will first test GPT-4's understanding of DIKWP, TIF, and the combination of DIKWP and TIF. Then let GPT-4 answer the questions related to financial governance and give some solutions under the three combination modes of DIKWP and TIF that we have developed.

Three models combining DIKWP and TIF:

1. First perform TIF processing, then DIKWP processing, and provide a comprehensive solution

2. While performing TIF processing, perform DIKWP processing at all levels of TIF to provide solutions

3. First perform DIKWP processing, then perform TIF processing, and provide a comprehensive solution

3.1 GPT-4's Understanding of TIF and DIKWP

Prompt:

What is Tafuyu TIF (Technology, Industry, Finance)

GPT-4回答：

TIF is a concept that combines technology, industry, and finance. This concept aims to emphasize the interrelationships and synergies between these three fields, in order to promote economic growth and social development.

1. Technology: As a driving force, technology provides new opportunities and challenges for various industries. The development and innovation of technology can improve production efficiency, reduce costs, create new products and services, and thus change the industrial structure and market competition pattern.

2. Industry: Industry is the foundation of a country or region's economic development. The development and upgrading of industries require technological innovation and financial support. At the same time, the transformation and development of industries have also provided more investment and development opportunities for the fields of technology and finance.

3. Finance: As the core of economic activities, finance provides funding and risk management services for the real economy. Financial institutions provide financial support for the fields of technology and industry by investing in technology innovation and industrial development projects. The stability and prosperity of the financial market are conducive to innovation and industrial development, thereby promoting the healthy development of the entire economic system.

In summary, the concept of TIF (Technology, Industry, Finance) emphasizes the close connections and synergies between the fields of technology, industry, and finance, which contribute to achieving sustainable economic growth and social development.

Prompt:

Combining DIKWP (Data, Information, Knowledge, Wisdom, Purpose) with TAFO Domain TIF (Technology, Industry, Finance) to solve financial problems

GPT-4回答：

The DIKWP (Data, Information, Knowledge, Wisdom, Purpose) framework is a conceptual model that describes the relationship between data, information, knowledge, intelligence, and purpose. Combining DIKWP with TAFO Domain TIFs (Technology, Industry, Finance) can help us better understand and solve financial problems. The following is an example of combining DIKWP with TIF:

1. Data: In the financial field, collect various financial data, such as stock prices, exchange rates, interest rates, financial statements, etc. Integrating and analyzing data through technological means can help us better understand the operation of financial markets.

2. Information: Based on collected financial data, technology tools are used for processing, screening, and analysis to obtain useful information. For example, by analyzing financial statement data, one can understand a company's operating status and profitability.

3. Knowledge: Integrate information into systematic knowledge, such as financial theory, models, and strategies. In the industrial field, financial knowledge can help enterprises better make investment decisions, risk management, and capital operations.

4. Wisdom: Applying knowledge in financial practice, unleashing the spirit of innovation, and forming a profound understanding and insight into the financial market. The combination of technology and finance can help us better understand the laws of the financial market, improve the efficiency and accuracy of financial decision-making.

5. Purpose: Clarify the purpose of financial activities, such as achieving wealth appreciation, risk control, and supporting the real economy. The synergy between finance, technology, and industry can help achieve these goals and promote the stability and development of the financial market.

By combining DIKWP with TIF, we can better utilize technological means to collect and analyze financial data, forming valuable information and knowledge. At the same time, applying these knowledge and wisdom in financial practice to provide effective financial services for the industrial sector and achieve stability and prosperity in the financial market. This synergistic effect helps to solve financial problems, promote economic growth and social development.

Prompt:

Please provide a detailed process

GPT-4回答：

By combining DIKWP (Data, Information, Knowledge, Wisdom, Purpose) with TAFO domain TIFs (Technology, Industry, Finance), a detailed process can be formed to solve financial problems. Here is an example process:

1. Data collection:

a. Determine the types of financial data to be collected, such as stock prices, exchange rates, interest rates, financial statements, etc.

b. Use scientific and technological means (such as web crawler, API interface, database, etc.) to collect relevant financial data.

c. Clean, organize, and store the collected data for subsequent analysis.

2. Information extraction:

a. Use technological tools such as data analysis software, artificial intelligence technology, etc. to process and analyze the organized data.

b. Extract valuable information from data, such as market trends, company profitability, etc.

c. Classify and organize the extracted information for future use.

3. Knowledge building:

a. Integrate the extracted information into systematic knowledge by combining financial theory, models, and strategies.

b. Analyze the laws of the financial market and provide targeted investment suggestions and risk management plans for the industrial sector.

c. Continuously optimize and update the knowledge system through technological means such as machine learning and artificial intelligence.

4. Wisdom:

a. Apply knowledge in financial practice, unleash innovative spirit, and make effective financial decisions.

b. Combining technological means to improve the efficiency and accuracy of financial decision-making and reduce risks.

c. Analyze changes in the financial market and adjust financial strategies in a timely manner to meet market demand.

5. Purpose:

a. Clarify the purpose of financial activities, such as achieving wealth appreciation, risk control, and supporting the real economy.

b. Assess the degree to which the synergistic effects of finance, technology, and industry on achieving financial goals.

c. Based on the evaluation results, adjust financial strategies and action plans to better achieve financial goals.

By following this process, we can use the combination of DIKWP and TIF to solve financial problems. This synergistic effect helps to better utilize technological means to collect and analyze financial data, form valuable information and knowledge, and apply these knowledge and wisdom in financial practice to provide effective financial services for the industrial sector, achieving stability and prosperity of the financial market. This process not only helps to solve financial problems, but also promotes economic growth and social development.

3.2 GPT-4's answer of TIF and DIKWP

Prompt:

A rural small and micro enterprise engaged in furniture production hopes to obtain a bank loan to expand its production scale. However, the company encountered many difficulties when applying for loans, such as a lack of collateral, inability to provide complete financial statements, and a lower credit rating. Due to these reasons, rural commercial banks may lower the loan limit, increase interest rates, or refuse to issue loans when approving loans.

Process at the TIF (technology, industry, finance) level first, and then use DIKWP (data, information, knowledge, intelligence, intention) to process

GPT-4回答：

In this case, we first address the problem at the TIF (Technology, Industry, Finance) level, and then optimize it using DIKWP (Data, Information, Knowledge, Wisdom, Purpose). The output in table format is as follows:

In this case, we first address the problem at the TIF (Technology, Industry, Finance) level, and then optimize it using DIKWP (Data, Information, Knowledge, Wisdom, Purpose).

1. TIF level processing:

a. Technology:

l Apply big data analysis technology to more accurately evaluate the credit status and repayment ability of enterprises.

l Utilize blockchain technology to improve the transparency and traceability of enterprise credit information and reduce credit risk.

l Adopting artificial intelligence and machine learning technologies to optimize risk assessment models and improve the accuracy and efficiency of loan approval.

b. Industry:

l The government and industry associations provide training and guidance to rural small and micro enterprises, helping them improve their financial statements and credit ratings.

l Strengthen industry chain collaboration, help small and micro enterprises expand their markets, and improve their profitability and risk resistance.

l Encourage enterprises to cooperate with other industries, achieve mutual benefit and win-win results through industrial integration, and reduce the risks brought by a single industry.

c. Finance:

l Banks should appropriately reduce the mortgage requirements for rural small and micro enterprise financing, and use methods such as credit loans and guaranteed loans to solve the problem of insufficient collateral.

l Banks are attempting to simplify the loan approval process, improve loan approval efficiency, and reduce corporate financing costs.

l Cooperate with banks and governments to leverage policy based financial tools and increase credit support for rural small and micro enterprises.

2. DIKWP level processing:

a. Data:

l Collect various data of rural small and micro enterprises, including industrial data, operational data, financial data, etc.

l Clean and organize the collected data to ensure data quality and accuracy.

b. Information:

l Extract key information of the enterprise through data analysis, such as profitability, credit status, market demand, etc.

l Classify and organize the extracted information for future use.

c. Knowledge:

l Integrate the extracted information into systematic knowledge by combining financial theory, models, and strategies to assess the loan needs and risks of enterprises.

l Analyze the industry characteristics and market patterns of enterprises, and provide targeted financing suggestions for banks.

l 

d. Wisdom:

l Apply knowledge and innovative spirit in financial practice to make effective loan decisions.

l Flexibly adjust financial strategies based on market changes and demand, reduce risks, and improve financing efficiency.

e. Purpose:

l Determine the purpose of financial activities, such as supporting the development of rural small and micro enterprises and promoting regional economic growth.

l Assess the degree to which the synergistic effects of finance, technology, and industry on achieving financial goals.

l Based on the evaluation results, adjust financial strategies and action plans to better achieve financial goals.

By first addressing issues at the TIF level and then using DIKWP for optimization, we can more comprehensively address the difficulties faced by rural small and micro enterprises when applying for loans. This method helps to optimize financial decision-making, reduce risks, improve financing efficiency, and thus support the development and growth of rural small and micro enterprises, promoting the prosperity and development of the rural economy.

Prompt:

A rural small and micro enterprise engaged in furniture production hopes to obtain a bank loan to expand its production scale. However, the company encountered many difficulties when applying for loans, such as a lack of collateral, inability to provide complete financial statements, and a lower credit rating. Due to these reasons, rural commercial banks may lower the loan limit, increase interest rates, or refuse to issue loans when approving loans.

Process at the TIF (Technology, Industry, Finance) level first, and optimize using DIKWP (Data, Information, Knowledge, Wisdom, Intention) in each layer

GPT-4回答：

In this case, we will address the problem at the TIF (Technology, Industry, Finance) level and optimize it using DIKWP (Data, Information, Knowledge, Wisdom, Purpose) in each layer. Output in Table Form

By addressing issues at the TIF level and utilizing DIKWP for optimization at each level, we can more comprehensively address the difficulties faced by rural small and micro enterprises when applying for loans. This method helps to improve the pertinence and effectiveness of financial services, reduce financing risks, improve financing efficiency, and support the development and growth of rural small and micro enterprises, promoting the prosperity and development of rural economy.

In summary, this method will help banks better understand the needs and risk profile of enterprises, and provide tailored financial services for enterprises. At the same time, enterprises can also take this opportunity to improve their management level, technology application, and industrial competitiveness, better cope with financing difficulties, high financing costs, and achieve sustainable development.

Prompt:

A rural small and micro enterprise engaged in furniture production hopes to obtain a bank loan to expand its production scale. However, the company encountered many difficulties when applying for loans, such as a lack of collateral, inability to provide complete financial statements, and a lower credit rating. Due to these reasons, rural commercial banks may lower the loan limit, increase interest rates, or refuse to issue loans when approving loans.

Firstly, conduct DIKWP (Data, Information, Knowledge, Wisdom, Intention) analysis, and then use TIF (Technology, Industry, Finance) to provide a solution.

GPT-4回答：

In this situation, we can understand the needs and difficulties faced by rural small and micro enterprises through DIKWP (Data, Information, Knowledge, Wisdom, Intention) analysis. Next, we will propose a solution using the TIF (Technology, Industry, Finance) method.

In this situation, we can understand the needs and difficulties faced by rural small and micro enterprises through DIKWP (Data, Information, Knowledge, Wisdom, Intention) analysis. Next, we will propose a solution using the TIF (Technology, Industry, Finance) method.

1. Data: Collect basic information about rural small and micro enterprises, including enterprise size, number of employees, production capacity, sales revenue, etc. At the same time, collect data related to applying for loans, such as collateral, financial statements, credit ratings, etc.

2. Information: Analyze the collected data to identify the main problems encountered by enterprises in the process of applying for loans, such as a lack of collateral, inability to provide complete financial statements, and low credit ratings.

3. Knowledge: Understand other issues that rural small and micro enterprises may face when applying for loans, such as policy restrictions, industry risks, etc. At the same time, understand the main concerns of banks when approving loans, such as repayment ability, credit risk, etc.

4. Wisdom: Using knowledge to develop appropriate development strategies for rural small and micro enterprises, thereby increasing the likelihood of successful financing.

5. Purpose: To help rural small and micro enterprises solve financing difficulties and achieve the goal of expanding production scale.

Based on the above analysis, we can propose the following solutions using the TIF (Technology, Industry, Finance) method:

1. Technology: Introduce modern production technology and management systems to improve the production efficiency and profitability of enterprises, thereby increasing the feasibility of bank loans. At the same time, digital technology is used to record and manage enterprise financial data to provide more complete financial statements.

2. Industry: Collaborate with relevant industries to achieve resource sharing upstream and downstream of the industry chain and improve market competitiveness. For example, establishing long-term cooperative relationships with raw material suppliers to reduce raw material costs; Collaborate with other furniture production enterprises to expand sales channels.

3. Finance: Seeking multiple financial channels to solve financing difficulties. For example, contacting relevant government departments to understand policy support and subsidies; Apply for small loans such as policy banks and rural credit cooperatives; Seeking informal financing channels such as social capital and private lending; Or cooperate with other peers or powerful enterprises to jointly bear financing risks. In addition, efforts can be made to alleviate financing pressure through financing leasing, supply chain finance, and other means.

4. DIKWP+TIF application for Claude

We will first test Claude's understanding of DIKWP, TIF, and the combination of DIKWP and TIF. Then let Claude answer the questions related to financial governance and give some solutions under the three combination modes of DIKWP and TIF that we have developed.

4.1 Claude's Understanding of TIF and DIKWP

Prompt:

What is Tafuyu TIF (Technology, Industry, Finance)

GPT-4回答：

Tafuyu TIF refers to the three fields of technology, industry, and finance. It represents the integrated development of the three major industries.

Specifically

1. Technology: Refers to fields such as information technology, artificial intelligence, biotechnology, and new energy technology. The development and innovation of these technologies are playing an increasingly important role in promoting economic and social progress.

2. Industry: Refers to traditional and emerging industries, such as automobiles, healthcare, education, entertainment, and other fields. The combination of these physical industries and technology is generating new formats and models, changing the way we live and work.

3. Finance: Refers to the financial services sector that provides financial support for technological innovation and industrial upgrading, such as venture capital, venture capital, science and technology innovation board, etc. The deep integration of finance, technology, and industry can accelerate the industrialization and commercialization of innovative achievements.

In summary, TIF represents the deep integration and interaction of these three major fields to generate synergistic effects. They are interdependent and mutually reinforcing, jointly promoting new technologies, products, formats, and models, thereby promoting economic development and social progress. It can be said that TIF has become an important feature and direction of today's world economic development. Mastering the development trend of TIF is of great significance for both enterprises and investors. So, in simple terms, Tafuyu TIF is the collective term for the integrated and interactive development of technology, industry, and finance. It represents an important direction for the operation and development of the new economy.

Prompt:

Combining DIKWP (Data, Information, Knowledge, Wisdom, Purpose) with TAFO Domain TIF (Technology, Industry, Finance) to solve financial problems

GPT-4回答：

The combination of DIKWP and TIF can be well applied to solve problems in the financial field:

1. Data: The financial field has generated and accumulated a large amount of data, including table data, text data, time series data, etc. The use of artificial intelligence and other technologies can achieve data collection, cleaning, integration, and analysis, discover patterns and anomalies in the data, and provide support for decision-making.

2. Information: Extract and generate information of different granularity from financial data, perform information fusion and inference, and obtain more comprehensive and accurate information, providing information security for financial decision-making and monitoring.

3. Knowledge: Financial experts and strategists have rich domain knowledge. By combining artificial intelligence technology to achieve knowledge representation, organization, and reasoning, knowledge products such as knowledge graphs are formed, enabling machines to also possess professional knowledge in the financial field.

4. Wisdom: Using machine intelligence to simulate and extend human financial intelligence, making comprehensive judgments and sharp insights based on data, information, and knowledge, to achieve the optimal strategy and solution to solve complex financial problems.

5. Purpose: The ultimate goal of financial activities is to serve the real economy and meet the funding needs of investors. Combining technology and industry, meeting the target needs of different investors and financial entities, and achieving reasonable allocation of financial resources.

From this process, it can be seen that the combination of DIKWP and TIF is a process from data to target. Through artificial intelligence technology, data analysis, information acquisition, knowledge expression, and intelligent utilization are achieved, ultimately meeting various purposes of financial and economic activities. This is the direction of the development of financial technology and also provides path options for the transformation of financial institutions and enterprises. Overall, this is a process of deep integration of information technology and finance, with the aim of empowering the transformation and upgrading of the financial industry.

Therefore, the combination of DIKWP and TIF represents the integration of data, technology and finance, which is an important feature of FinTech development and provides solutions for Digital transformation of financial institutions and enterprises. Through this combination, financial business transformation and innovation can be empowered, achieving the reconstruction of financial design, production, and circulation.

4.2 Claude 's answer of TIF and DIKWP

Prompt:

A rural small and micro enterprise engaged in furniture production hopes to obtain a bank loan to expand its production scale. However, the company encountered many difficulties when applying for loans, such as a lack of collateral, inability to provide complete financial statements, and a lower credit rating. Due to these reasons, rural commercial banks may lower the loan limit, increase interest rates, or refuse to issue loans when approving loans.

Process at the TIF (technology, industry, finance) level first, and then use DIKWP (data, information, knowledge, intelligence, intention) to process

GPT-4回答：

From the perspective of TIF, this issue can be addressed in the following aspects:

1. Technology: Financial technology can be used to analyze the operation and capital flow data of enterprises, evaluate their credit risk and debt paying ability, and provide decision-making support for approval. This can compensate for the reliance on financial statements and collateral in traditional assessments.

2. Industry: It is possible to discover the overall situation, industry prospects, and customer groups of the furniture industry where the enterprise is located, and determine the development potential of the enterprise. And pay attention to the financing situation of other similar enterprises in the industry, adopt targeted policies to promote the development and upgrading of the industry.

3. Finance: Commercial banks can adopt customized financial products targeting rural small and micro enterprises, such as industrial chain loans based on supply chain finance, and collaborating with Other FIs to provide financing guarantees for enterprises. This requires business transformation and innovation in financial institutions.

Then, from the perspective of DIKWP, commercial banks can:

1. Collect and analyze more business and financial data of enterprises, evaluate their repayment ability, and make approval decisions.

2. Based on comprehensive information, accurately assess the development prospects and risks faced by the enterprise, and make prudent loan limit decisions.

3. Utilize professional knowledge in the financial field to design customized approval rules and loan products tailored to the characteristics of small and micro enterprises.

4. Based on the judgment of industry and regional development, adopt supportive policies and measures to meet the financing needs of small and micro enterprises and achieve coordinated regional economic development.

5. With the aim of supporting the development of the real economy, we aim to improve approval efficiency and loan availability through technological means to meet the financing needs of different types of small and micro enterprises.

In summary, banks need both business transformation and technological innovation, as well as policy support. By combining TIF and DIKWP, we utilize data and technology to improve the accuracy of approval, design customized products with professional knowledge, and continuously meet the diverse needs of small and micro enterprises for financial services guided by the real economy. This is the only way to achieve inclusive finance.

Prompt:

A rural small and micro enterprise engaged in furniture production hopes to obtain a bank loan to expand its production scale. However, the company encountered many difficulties when applying for loans, such as a lack of collateral, inability to provide complete financial statements, and a lower credit rating. Due to these reasons, rural commercial banks may lower the loan limit, increase interest rates, or refuse to issue loans when approving loans.

Process at the TIF (Technology, Industry, Finance) level first, and optimize using DIKWP (Data, Information, Knowledge, Wisdom, Intention) in each layer

GPT-4回答：

In summary, integrating DIKWP into each level of TIF can achieve effective management and configuration of information and resources. Enhance approval capabilities through technological means, accurately assess enterprise value through industry knowledge, and use financial tools to meet different funding needs. This is an integrated plan for commercial banks to implement inclusive finance and serve the real economy.

Prompt:

A rural small and micro enterprise engaged in furniture production hopes to obtain a bank loan to expand its production scale. However, the company encountered many difficulties when applying for loans, such as a lack of collateral, inability to provide complete financial statements, and a lower credit rating. Due to these reasons, rural commercial banks may lower the loan limit, increase interest rates, or refuse to issue loans when approving loans.

Firstly, conduct DIKWP (Data, Information, Knowledge, Wisdom, Intention) analysis, and then use TIF (Technology, Industry, Finance) to provide a solution.

GPT-4回答：

Firstly, analyze from the perspective of DIKWP:

1. Data: Collect business and financial data of enterprises, evaluate their repayment ability and credit risk using financial technology, and provide a basis for approval decisions.

2. Information: Based on industry dynamics, policy environment, and similar cases, determine the development potential and risks faced by the enterprise, and accurately grasp the actual situation of the enterprise.

3. Knowledge: Utilize financial and industrial knowledge to comprehensively analyze and evaluate enterprises, and develop practical and feasible approval plans.

4. Wisdom: Imitate the thinking mode and decision-making process of financial experts, adopt appropriate approval strategies under controllable risk control, and meet the funding needs of enterprises.

5. Purpose: The purpose is to support the development of small and micro enterprises, serve the real economy, and achieve economic growth in local regions.

On this basis, the following solutions can be proposed from the perspective of TIF:

1. Technology: Utilize AI and other technological means to improve approval efficiency and accuracy, and develop customized risk assessment models and decision-making systems for small and micro enterprises.

2. Industry: closely monitor the dynamics of the furniture industry, adopt supportive policies and measures, and guide the flow of resources to high growth enterprises and regions. Provide industry information and successful cases to guide other enterprises in their transformation and upgrading.

3. Finance: Design exclusive approval processes and loan products for small and micro enterprises. Provide differentiated services for different enterprises and collaborate with guarantee agencies to meet their financing needs. Choose appropriate interest rates and maturities to ensure the effective allocation and security of financial resources.

In summary, the analysis of DIKWP can help accurately determine the actual situation and funding needs of enterprises. On this basis, using the technical means, industrial policies, and financial tools in TIF can achieve precise approval and customized products, continuously promoting inclusive finance and small and micro enterprise financing. This requires business transformation and Digital transformation of commercial banks, and differentiated measures within the controllable scope of risk control, so as to serve the real economy and regional development.

5. Discussion and Conclusion of Experimental Evaluation

From the above application case study, it can be seen that there are significant differences between GPT-4 and Claude in their understanding of DIKWP and TIF, especially in their understanding of TIF. Claude's understanding remains literal and only provides a brief explanation of the definitions of technology, industry, and finance. On the contrary, GPT-4 has a deeper understanding and can truly explain the core meaning of the TIF pattern.

For the three modes that we designed to combine DIKWP with TIF, through GPT-4 and Claude's testing, overall, the second mode (first handling TIF and doing DIKWP at each level of TIF) provides a more reasonable answer to the question. In terms of the comprehensive ability level of the two models, it is evident from the test results that their answer levels are relatively clear. However, GPT-4 answers more comprehensively and provides more convincing results, while Claude only provides responses according to the description of the problem and the process. The answers given to the problem solving are not ideal or even positive.

In summary, GPT-4 can solve financial governance problems with the support of DIKWP+TIF, and the answers provided are also more reasonable.

Reference

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