监管就AI风险发声！专家建议尽快出台金融人工智能管理办法

Core Viewpoint - The Chinese financial regulatory authority emphasizes the importance of developing and regulating digital finance and artificial intelligence (AI) to enhance productivity while managing associated risks [1][2]. Group 1: Digital Finance and AI Development - The financial regulatory authority stresses the need to actively respond to the rapid evolution of AI technology in the financial sector, ensuring timely adaptation to global trends and applications [2]. - There is a focus on enhancing the financial service system to better support technological innovation and ensure that AI contributes positively to the economy [2]. Group 2: Impact of AI on Financial Services - AI is recognized for its potential to improve operational efficiency, reduce costs, and enhance customer service through personalized solutions, significantly impacting the financial service landscape [3]. - However, challenges such as model interpretability, fairness, accountability, and systemic risks are also highlighted as critical issues that need addressing [3]. Group 3: Regulatory Framework and Risk Management - A previous action plan issued by multiple financial authorities outlines the need for a robust computational framework and the application of AI and cloud computing technologies, emphasizing risk management for models and algorithms [3]. - The financial industry is experiencing a surge in AI applications, with banks utilizing AI for risk management, credit assessment, and personalized advisory services, among other areas [4]. Group 4: Legal and Compliance Challenges - Legal experts point out potential risks associated with AI in finance, including data security, compliance with existing regulations, and the need for clear accountability in AI-driven decision-making [5]. - The absence of comprehensive regulatory policies specifically addressing AI in finance is noted, with existing laws providing only a foundational framework [5][6]. Group 5: Recommendations for Regulatory Improvements - Experts recommend the establishment of specific regulations for AI in finance, including algorithm audit requirements and dynamic risk assessment models [6]. - There is a call for the development of ethical standards for AI applications in finance, along with mandatory disclosure of training data sources and decision-making logic [6].