中国人民银行科技司司长李伟：积极稳妥、安全有序推进人工智能金融应用

Core Insights - Artificial intelligence (AI) is becoming a crucial engine for high-quality development across various industries, particularly in enabling the digital transformation of finance [1][6] - The "14th Five-Year Plan" is concluding, while the "15th Five-Year Plan" is being formulated, marking a year of collaborative innovation between AI and finance [2][7] Group 1: AI in Financial Sector - AI applications in finance are expanding from auxiliary roles to core business functions such as credit risk control, compliance review, and intelligent investment advisory [2][7] - Financial institutions are leveraging AI to enhance operational efficiency while adhering to legal compliance and risk management principles [2][7] - The transition from traditional computing systems to intelligent computing systems is ongoing, with a focus on developing a robust hardware and software ecosystem [2][7] Group 2: Support for AI Development - The reduction in barriers and costs for large model applications, along with significant improvements in logical reasoning and multimodal capabilities, is accelerating AI adoption in finance [3][8] - Continuous advancements in intelligent computing chips are providing a secure and efficient foundation for the digital transformation of finance [3][8] Group 3: Challenges and Governance - There is a need to strengthen governance around technology ethics, address risks of model homogeneity, and tackle inherent flaws in algorithm architectures [3][8] - Data governance and security are facing challenges that require attention as AI applications in finance evolve [3][8] Group 4: Strategic Recommendations - A comprehensive financial technology development plan should be established, emphasizing the integration of AI applications as a core focus for the "15th Five-Year Plan" [4][9] - A robust risk management framework should be developed, including safety standards for AI applications in finance and a human-centered governance model [4][9] - The application level of AI should be enhanced by focusing on key areas such as credit financing, risk control, and marketing services [4][9] Group 5: Industry Collaboration - Collaboration between financial institutions and AI companies should be strengthened through industry associations and joint laboratories to promote innovation and enhance the competitiveness of AI products [5][10]