AI改变金融系统，周小川、肖远企发声

Core Viewpoint - The 2025 Bund Conference in Shanghai focused on the impact of artificial intelligence (AI) on the financial system, highlighting significant changes in banking and the need for international cooperation in AI infrastructure [1][2]. Group 1: AI's Impact on Banking - AI represents a major marginal change in the financial industry, fundamentally altering the nature of banking from traditional models to data processing [2][4]. - The relationship between humans and machines in banking has shifted from human-led to machine-assisted, with AI enabling the transition from traditional models to intelligent reasoning models [4][5]. - The future of banking will see a reduction in workforce size due to the increased reliance on AI and data processing [5]. Group 2: AI in Financial Decision-Making - Current applications of AI in finance are still in the early stages, primarily serving as decision support rather than replacing human judgment [7][10]. - AI is being utilized in three main areas: back-office operations, customer interactions, and financial product offerings, leading to cost reductions and improved efficiency [9][10]. Group 3: Risks Associated with AI in Finance - From a micro perspective, financial institutions face new risks related to model stability and data governance, which are critical for business expansion [11]. - At the industry level, concentration risk arises from reliance on a few technology providers, while decision convergence risk may lead to homogeneity in decision-making across institutions [11]. Group 4: International Cooperation - There is a call for enhanced international cooperation in strengthening AI infrastructure, particularly in financial markets, to facilitate future collaborative efforts [6].