从技术应用到协同治理 数智化驱动金融风险防控升级

Core Insights - The forum emphasized the need for regulatory bodies to adapt to the digital era while managing risks and fostering financial innovation [1][2] - Digitalization is transforming financial services, necessitating a robust legal framework and collaborative governance to address new risks [1][3] Regulatory Adaptation - Financial institutions face new challenges in the digital age, including technology risk, compliance risk, and financial stability risk [1] - Strengthening the legal framework and enhancing regulatory awareness are crucial for effective risk management [1][2] Digital Empowerment - The effectiveness of digitalization in financial institutions is becoming evident, with technologies like AI and big data driving a shift towards intelligent service models [2][3] - Financial institutions are increasingly integrating AI in core operations, enhancing customer identification, loan assessment, and fraud prevention [2][3] Investment in Technology - JPMorgan Chase plans to invest $18 billion in technology research this year, with over 500 AI applications already implemented, showcasing the impact of continuous tech investment on risk management capabilities [3] - Experts highlighted the need for a solid AI technology framework and improved data quality to bolster risk control [3] Compliance and Legal Framework - A robust compliance and legal framework is essential for risk prevention, with suggestions to revise laws governing AI applications in finance [3] - Financial institutions should integrate compliance throughout their operations and establish ongoing communication with regulatory bodies to adapt to evolving requirements [3]