肖远企：监管鼓励支持金融机构运用最新科技，同时确保稳定有序

Group 1 - The core viewpoint emphasizes the significant and fundamental impact of technology, particularly artificial intelligence, on the financial sector, enhancing efficiency and promoting diverse financial products [1] - The integration of AI in finance is expected to lower the costs of product development and production, making it economically viable to address previously overlooked niche demands, thus creating a "long-tail effect" [1] - Financial institutions are encouraged to collaborate with technology companies that possess advantages in research, development, and application, as stability and reliability are crucial in the financial sector [1] Group 2 - The diversification of financial entities and markets is essential for maintaining a stable and efficient financial structure, particularly for small and medium-sized institutions adapting to technological changes [2] - The importance of data and algorithms has increased in the AI era, necessitating a focus on transforming "usable data" into "trustworthy data" to avoid misleading decisions [2] - The principle of "selection neutrality" is highlighted as a key competitive factor for financial institutions in the context of numerous choices available in data and modeling [2] Group 3 - AI is expected to enhance the efficiency of resource allocation in finance, potentially optimizing the distribution of resources along the production possibility curve [3] - International financial regulatory bodies are closely monitoring the development and application of AI in the financial sector, encouraging institutions to leverage technology for improved services and risk management [3] - A resilient financial system requires a balance between concentration and dispersion, uniqueness and homogeneity, as well as safety and efficiency, with regulatory bodies needing to enhance their technological capabilities [3]