李礼辉：金融行业、金融机构价值取向将影响AI替代的速度和深度

Core Insights - The banking industry is undergoing a significant transformation due to the unprecedented breadth and depth of artificial intelligence (AI) integration [1] - The speed and depth of AI replacement in the financial sector will depend on the value orientation of financial institutions, the professionalism and reliability of AI agents, regulatory assessments, and employment policies [2] Group 1 - The establishment of a legal status for financial AI agents is essential, which includes defining their behavioral boundaries, legal relationships with clients, and managerial responsibilities [2] - Financial scenarios are becoming a crucial application area for AI agents, with banks like Guangfa Bank and Dalian Bank issuing tenders for AI development and application [2] - The term "digital employees" is increasingly used in communications between bank management and investors, indicating a shift towards AI integration in banking operations [2] Group 2 - AI agents can serve as professional financial representatives, particularly in high-value, technology-intensive areas such as market analysis, risk assessment, investment advisory, wealth management, quantitative trading, product customization, internal auditing, and digital employee roles [2] - Smart investment advisors, which have been gradually upgraded, can enhance the professional level of investment advice, with some executives believing they could replace over 60% of traditional investment advisor roles [3] - The deployment of financial AI agents requires advanced security technologies to mitigate risks such as malicious attacks and accidental security breaches, emphasizing the need for safety and trustworthiness in various applications [3]