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 recognized as a crucial engine for high-quality development across various industries, particularly in the financial sector, where it is expected to enhance digital transformation and governance [1][2]. Group 1: AI in Financial Sector - The "14th Five-Year Plan" is concluding, and the "15th Five-Year Plan" is being formulated, marking a significant year for the integration of AI and finance, aiming for collaborative innovation and deep integration [1]. - Financial institutions are actively promoting the application of AI in various areas such as office assistance, intelligent customer service, credit risk control, and compliance review, achieving positive results [1]. Group 2: Support for AI Development - The development of AI applications in finance is supported by a robust industrial system, with significant reductions in the cost and barriers to entry for large model applications, alongside advancements in intelligent computing chips [2]. - Challenges in AI applications include the need for enhanced ethical governance, risks of model homogeneity, inherent flaws in algorithm architectures, and data governance and security issues [2]. Group 3: Strategic Recommendations - Strengthening overall planning is essential, with a focus on integrating AI applications into the financial technology development plan for the "15th Five-Year Plan" [3]. - Establishing a sound risk control system is necessary, including the development of safety standards for AI applications in finance and enhancing ethical governance [3]. - Improving application levels by focusing on key areas such as credit financing, risk control, and marketing services, while exploring AI-driven service models [3]. - Supporting industry development through collaboration between financial institutions and AI companies, enhancing the competitiveness and safety of foundational AI models and intelligent computing devices [3].