@techreport{oai:ipsj.ixsq.nii.ac.jp:00237137,
 author = {竹村, 敏彦 and 島, 成佳 and 小川, 隆一 and 佐川, 陽一 and 銭谷, 謙吾 and Toshihiko, Takemura and Shigeyoshi, Shima and Ryuichi, Ogawa and Yoichi, Sagawa and Kengo, Zenitani},
 issue = {16},
 month = {Jul},
 note = {資産運用サービスは従来から存在しており，証券会社などの資産運用の専門家に任せて自身の資産運用を行うものであった．近年，人工知能（AI）やビッグデータの利活用が進んだことで，証券会社などが AI を利活用して，投資診断や投資アドバイス，運用などを行う資産運用サービスが現れ，金融業における資産運用サービスにも大きな変化の波が押し寄せている．本研究では，2023 年 9 月に実施したアンケート調査によって収集した個票データを用いた分析を通じて，一任型の資産運用サービスをAIもしくは資産運用の専門家に任せるかという選択問題に注目し，その選択に影響を与えている要因は何なのかについて分析を試みた．分析結果，個人属性の「年齢」と「投資経験の有無」，イメージとに関しては「金融に対するポジティブイメージ」と「AI に対するポジティブイメージ」，知識のうち「AI に関する知識」，リスクリテラシーの要因のうち「リスク認知のバイアス」が専門家一任型よりも AI 一任型の運用サービスを利用したい傾向にプラスの影響を，また，性格特性を表す Big Five の要因のうち「協調性」，リスクリテラシーの要因のうち「リスク対リスクのトレードオフ」，個人属性の「預金額」，「AI に関する知識 × AI に対するネガティブイメージ」専門家一任型よりも AI 一任型の運用サービスを利用したい傾向にマイナスの影響を与えることを確認できた．, Asset management services have existed for a long time, whereby clients entrust their own asset management to asset management specialists such as securities firms. In recent years, with the advancement of the use of artificial intelligence (AI) and big data, asset management services that provide investment diagnosis, investment advice, and investment management have emerged, utilizing AI by securities firms, etc., and a major wave of change is sweeping across the asset management services in the financial industry. In this article, we focused on the issue of whether to entrust discretionary asset management services to AI or asset management experts, and attempted to analyze the factors influencing this choice through an analysis of individual data collected by a questionnaire survey conducted in September 2023. The results showed that "age" and "investment experience" of personal attributes, "positive image of finance" and "positive image of AI" of image, "knowledge of AI" of knowledge, and "risk perception bias" of risk literacy factors had a positive effect on the tendency to use an AI-discretionary asset management service than a specialist-discretionary service. In addition, "cooperativeness" among the Big Five factors representing personality characteristics, "risk vs. risk trade-off" among the risk literacy factors, "amount of deposit" in personal attributes, and "knowledge about AI x negative image of AI" had a positive impact on the tendency to use AI discretionary investment management services more than the expert discretionary investment management services. We confirmed that these factors have a negative impact on the tendency to use AI discretionary investment management services rather than expert discretionary investment management services.},
 title = {一任型資産運用サービスで見るAI／専門家によるサービス提供の選択に関する分析},
 year = {2024}
}