肖远企：AI在金融领域应用处于早期辅助阶段，未现大规模员工安置压力

Core Insights - The current application of AI in the financial sector is still in its early supportive stage and has not led to large-scale employee displacement [1] - AI is primarily utilized in three areas within financial institutions: backend operations, customer communication and relationship management, and personalized financial product offerings [1] - Concerns about AI replacing human roles are addressed, emphasizing that employees remain the most effective productivity source in financial institutions [1] Group 1: AI Applications in Finance - AI applications in financial institutions are focused on enhancing operational efficiency and improving customer experience, as demonstrated by Shanghai Pudong Development Bank and Ping An Insurance [1] - The use of AI is seen as a means to create more job opportunities rather than displacing existing jobs [1] Group 2: Risks Associated with AI - Risks at the micro level include model stability risks and data governance risks for individual institutions [1] - At the macro level, the industry must be aware of concentration risks due to technological dependence and decision resonance risks arising from model convergence [1] - Despite the evolving risk landscape, fundamental risks such as credit risk and market risk in the financial sector remain unchanged [2]