金融监管总局副局长肖远企：AI在金融领域的应用仍处于早期阶段 无法取代人的决策

Core Insights - The interaction between finance and technology has historically been complementary, with AI currently optimizing business processes and external services in the financial sector [2] Group 1: AI Applications in Finance - AI is primarily applied in three areas: 1. Intelligent operations in back-office functions, widely used in banks for data collection, processing, information identification, and customer evaluation [2] 2. Customer communication, where AI is utilized in customer relationship management, including marketing, maintenance, and problem-solving [2] 3. Financial product offerings, where AI helps reduce costs and improve efficiency internally, while providing more personalized and precise products and services externally [2] Group 2: Current State of AI in Finance - Despite rapid development and widespread application, AI in finance is still in its early stages and serves an auxiliary role, unable to replace human decision-making [2] - There have been no reported cases of employee displacement solely due to AI applications in financial institutions, as employees remain the most effective productivity asset [2][3] Group 3: Human Element in Finance - AI is viewed as a supportive tool rather than a replacement for personalized interactions between tellers and customers [3] - In critical areas such as credit, insurance pricing, loss assessment, and actuarial science, human expertise is indispensable, emphasizing that talent is the most valuable asset in the financial sector [3]