香港证监会原主席梁定邦：智能金融不“唯大模型”论 监管需严保数据真实与风险可控

Core Insights - The former chairman of the Hong Kong Securities and Futures Commission, Liang Ding-bong, discussed the development of smart finance and artificial intelligence in the Hong Kong-Macau region at the Shenzhen Xiangmi Lake Financial Annual Conference [5][7]. Group 1: Smart Finance Coverage - Smart finance in the Hong Kong-Macau region encompasses five areas: banking, securities, insurance, cross-border finance, and electronic payments [3][7]. - Hong Kong's approach to integrating artificial intelligence into traditional finance involves a multi-layered and multi-architecture technology fusion strategy, rather than solely relying on large language models (LLMs) [3][7]. Group 2: Regulatory Perspective - From a regulatory standpoint, "big data" remains the foundation of fintech applications in Hong Kong, with "large models" being just one component [3][7]. - Since 2019, Hong Kong has incorporated various technologies such as big data analysis, expert systems, and machine learning into its regulatory framework, prioritizing verifiable and traceable underlying real data in core business operations [3][7]. Group 3: Caution in AI Application - Liang Ding-bong cautioned about the "hallucination" risks associated with large models, emphasizing the need for a prudent approach to AI in financial regulation and business scenarios [3][7]. - The application of generative artificial intelligence in front-office customer interaction remains cautious, primarily focusing on back-office risk management and data analysis support roles [3][7]. - Final decision-making should involve risk management committees and risk officers, combining personal experience with multi-dimensional data, rather than relying solely on model outputs [3][7]. Group 4: Commitment to Data Integrity - Hong Kong maintains a highly open attitude towards the development of smart finance, but emphasizes the need to ensure data authenticity and risk control in client-facing and core business areas to guarantee the safety and stability of the financial system [3][7].