📄 中文摘要
当前市场上充斥着各种声称具备AI功能的金融工具，如AI股票筛选器、AI投资组合优化器、AI财报摘要工具等。然而，这些工具的实际效用常常被重新包装的电子表格和简单的聊天机器人所掩盖。尽管AI在金融领域的应用潜力巨大，但当初创公司声称其AI工具能够“战胜市场”时，这一说法应当受到质疑。真正的问题并不在于技术本身，而在于如何框定和呈现这些技术的能力和效果。
AI金融工具的炒作已失控——来自Rayan Malak的现实检查
📄 English Summary
The AI Finance Tools Hype Is Getting Out of Hand — A Reality Check from Rayan Malak
The market is currently flooded with various AI-powered finance tools, including AI stock screeners, AI portfolio optimizers, and AI earnings call summarizers. However, the actual utility of these tools is often overshadowed by rebranded spreadsheets with simple chatbots. While AI has significant potential in finance, claims from fintech startups that their AI tools can 'beat the market' deserve skepticism. The core issue lies not in the technology itself, but in how these technologies' capabilities and effects are framed and presented.