周小川：AI是金融业“又一次边际变化”，国际合作仍需夯实基础设施

Core Viewpoint - AI represents a significant "marginal change" for the financial system, with the potential to reshape the operations of the banking industry and financial markets [1]. Group 1: AI's Impact on Banking - AI is seen as a new transformation based on information processing, IT, and automation, marking a shift from traditional banking operations to data-driven practices [4]. - The evolution of the relationship between humans and machines in banking has transitioned from "human-led, machine-assisted" to "machine-led, human as client interface" [4]. - AI facilitates the transition from traditional models to intelligent reasoning models, significantly impacting areas such as big data analysis, payment, pricing, risk management, and marketing [4]. Group 2: Changes in Workforce and Customer Behavior - The integration of AI in banking may lead to significant changes in the workforce size as operations increasingly rely on artificial intelligence [4]. - Customer behavior is shifting towards more interactions with machines, resulting in reduced human involvement in banking services [4]. Group 3: AI's Role in Financial Regulation - AI has profound implications for financial regulation, particularly in anti-money laundering and counter-terrorism financing, enhancing the ability to identify potential risks through pattern recognition and deep learning [5]. - Traditional methods of reporting large transactions are becoming less effective due to the volume of data, making AI a crucial tool for regulatory bodies [5]. Group 4: International Cooperation and Infrastructure - Current international cooperation on various issues is not directly related to AI, but there remains potential for collaboration at the infrastructure level [5]. - Strengthening AI infrastructure and cross-border connectivity in the financial sector is essential for laying the groundwork for future international cooperation [5].