金融AI应用机遇挑战并存，陆家嘴论坛共识指向全球协作

Core Insights - The rapid development of artificial intelligence (AI) is reshaping the financial industry, presenting both opportunities and challenges that require global regulatory cooperation and coordination [1][8] Group 1: AI Applications in Finance - AI has permeated various aspects of the financial industry, including marketing, customer service, risk control, and internal process automation [4][5] - Key areas of AI application include data analysis and algorithmic trading, internal process automation, and credit scoring, with significant potential for enhancing operational efficiency [4][5] - AI is already integrated into critical areas of platforms like SWIFT, improving anomaly detection, investigation processes, and data insights [4] Group 2: Current Stage of AI Development - Despite the rapid advancements, the application of AI in finance is still in its early stages, with significant infrastructure and platform development needed to create real value [5][6] - There is a disparity in AI application progress, with larger financial institutions advancing faster than smaller entities, leading to concerns about a widening digital divide [6][7] Group 3: Digital Divide and Inclusivity - The debate exists on whether AI will bridge or widen the digital divide, with some arguing it can empower smaller enterprises while others warn of increasing disparities [6][7] - AI's ultimate goal in finance is to promote inclusivity, precision, and security, emphasizing the need to address long-tail demands and enhance user profiling accuracy [7][8] Group 4: Challenges and Regulatory Cooperation - Challenges such as security and privacy issues are critical and need urgent attention, alongside the digital divide [8][9] - Global regulatory cooperation is essential for the successful application of AI in finance, ensuring a stable and predictable environment for its development [8][9] - Establishing a responsible regulatory framework is vital for maintaining trust within the financial ecosystem, which is crucial for sustainable development [9]