尚福林：“AI+金融”非简单技术叠加 而是一场系统性变革

Core Insights - The 2025 Annual Meeting of the China Wealth Management 50 Forum focuses on "Building a Financial Powerhouse in the 14th Five-Year Plan" [1] - Artificial intelligence (AI) is evolving from a singular technological tool to a foundational capability that significantly reshapes industrial structures and economic operations, particularly impacting the financial sector [3][7] Group 1: AI's Impact on Finance - AI's rapid development provides new tools for enhancing financial business efficiency while also presenting challenges to financial operating mechanisms, risk control models, and governance systems [3][7] - The application of AI in finance has deepened, improving areas such as investment research, risk identification, fraud prevention, compliance management, customer service, and internal operations [3][7] - AI is becoming an integral part of financial infrastructure, moving towards a systematic and sustainable phase in the "AI + Finance" initiative [3][7] Group 2: Challenges and Considerations - There is a need to balance technological innovation with prudent management, ensuring that risk control and compliance are not compromised in the pursuit of efficiency [4][9] - Issues such as data governance, model interpretability, and responsibility boundaries are becoming increasingly prominent, with potential risks arising from non-compliant data sources and opaque decision-making processes [4][9] - The digital divide may lead to structural disparities among institutions, necessitating a focus on inclusivity while encouraging innovation and supporting leading institutions [4][9] Group 3: Future Governance and Development - The integration of AI in finance demands higher governance capabilities, requiring traditional regulatory frameworks to adapt to new technological environments [4][10] - Promoting the healthy development of "AI + Finance" hinges on balancing innovation with regulation, efficiency with safety, and ensuring that AI serves the real economy and technological innovation [5][10] - The initiative presents both significant opportunities for enhancing the efficiency and resilience of the financial system and new uncertainties and risks that must be managed [5][10]