Group 1 - The core viewpoint of the article emphasizes that artificial intelligence (AI) has evolved from a singular technological tool to a foundational and universal capability, significantly reshaping the development logic of the financial industry [1][2] - The financial industry, being the core of the modern economy, heavily relies on information and data, necessitating high standards of security, stability, and compliance [1] - AI technology provides new tools for enhancing the quality and efficiency of financial services, but it also presents systemic challenges to operational mechanisms, risk control models, and governance systems [1][2] Group 2 - AI applications in finance have deepened, enhancing information processing efficiency and decision-making accuracy across various functions such as investment research, risk identification, fraud prevention, and customer service [2] - Three major challenges in the deep application of AI in finance are identified: balancing technological innovation with prudent management, addressing data governance and model interpretability, and preventing structural disparities due to the digital divide [2] - A call for collaboration between regulators and market participants to establish a governance framework that aligns with digital productivity is made, encouraging financial institutions to explore AI applications while ensuring compliance and enhancing data governance and risk management systems [2]
尚福林：人工智能正驱动金融业系统性变革 需统筹创新与安全
Xin Hua Cai Jing·2025-12-28 02:41