让人工智能金融应用“跑起来”

Group 1 - The core viewpoint emphasizes the mutual empowerment of artificial intelligence (AI) and finance, which is a necessary outcome of the development of both sectors, providing strong support for their high-quality growth [1] - The People's Bank of China aims to promote the application of AI in finance in a proactive, stable, safe, and orderly manner, highlighting the need for institutional support and overcoming technical bottlenecks [1][2] - The development of AI in finance should focus on real demands from the real economy, ensuring deep integration of technological innovation with business scenarios [1] Group 2 - The top-level design includes the issuance of the "Opinions on Deepening the Implementation of 'Artificial Intelligence+' Action" in August 2025, which sets the direction for AI applications in various sectors, including finance [2] - Challenges in the development of "AI + Finance" include the need for stronger governance of technological ethics, risks of model homogeneity, inherent flaws in algorithm architecture, and challenges in data governance and security [2] - To address these challenges, a collaborative approach involving financial security, risk prevention, and an innovative application environment is essential, requiring deep exploration of institutional frameworks and continuous improvement of collaborative mechanisms [2] Group 3 - Looking ahead to the 14th Five-Year Plan, the focus will be on safety, innovation, and ecological collaboration, with policies guiding the development direction and establishing a tiered risk prevention system [3] - Key areas for AI empowerment in finance include credit financing, risk management, and customer service, aiming for effective implementation of AI applications [3] - Strengthening collaboration among government, enterprises, and research institutions is crucial for technological breakthroughs in financial models, alongside investing in talent to support sustainable AI applications in finance [3]