梁定邦：人工智能年增速约30% 金融应用需过“风险可控”关

Core Viewpoint - The China Wealth Management 50 Forum 2025 Annual Meeting emphasizes the theme of "Towards a Financial Power during the 14th Five-Year Plan" and highlights the rapid growth and application of artificial intelligence (AI) in the financial sector, while also addressing the associated risks [1][5]. Group 1: AI Growth and Application - AI is growing at an annual rate of approximately 30%, with large institutions achieving an application coverage of 85%, significantly reducing costs and enhancing customer satisfaction [3][7]. - The rapid advancement of AI technology is attributed to the reduction in hardware costs and improvements in computing power, encompassing various forms beyond just popular large language models [3][7]. Group 2: Risks in AI Application - The application of AI in finance faces four core risks: hallucinations (inaccurate or fabricated outputs), data bias (outputs reflecting training data biases), black box issues (complex and opaque decision-making processes), and privacy compliance risks [3][7]. - These four challenges must be addressed for the financial industry to achieve "controllable risks" [3][7]. Group 3: Specific Applications in Finance - In the front office, AI is primarily used for intelligent customer service (Call Center), where closed-loop AI is preferred to ensure accuracy, with final decisions still resting with customer managers [4][8]. - The middle office focuses on applications such as fraud detection, credit rating, and document processing analysis, with fraud detection being particularly emphasized due to the rise in telecom fraud [4][8]. - The back office utilizes AI for market analysis, model calculations, and crucial capital reserve measurement [4][8].