尚福林：“AI+金融”对金融治理能力提出了更高要求

Core Viewpoint - The integration of artificial intelligence (AI) into the financial sector is advancing towards a systematic and sustainable development phase, but it faces significant challenges that need to be addressed [1][2]. Group 1: AI Integration in Finance - AI is becoming an essential part of financial infrastructure as its application scenarios continue to expand [1]. - The relationship between technological innovation and prudent management must be accurately understood, emphasizing that innovation should not compromise risk control and compliance [1]. Group 2: Challenges and Governance - Issues related to data governance, model interpretability, and responsibility boundaries are becoming increasingly urgent [1]. - The rapid development and frequent iteration of AI technology require traditional regulatory and governance methods to adapt to new technological environments [1]. Group 3: Promoting Healthy Development - Financial institutions are encouraged to explore AI applications within legal and compliance frameworks to enhance the functionality of the financial system [2]. - There is a need to strengthen safety measures by improving data governance, internal control processes, and risk prevention mechanisms to ensure AI operates in a controllable, trustworthy, and sustainable manner [2].