In the financial field，the application prospect of generative AI technology is broad. It can not only help financial institutions to identify and manage potential risks more effectively，but also provide customized investment advice according to customer data while formulating more precise trading strategies by simulating the market environment. In addition，generative AI also shows great potential in improving financial security protection and improving customer experience. Although generative AI has reshaped the content and form of financial services，there are still problems such as data privacy and security，large model illusion and accuracy，and risk prevention and control that need to be solved. With the innovation and progress of AI technology，AI+ finance will promote the high-quality development of China’s financial industry.