英国议员呼吁加强AI金融风险监管，启动专项压力测试

Core Viewpoint - The UK Parliament's Treasury Committee warns that the country's financial regulatory system is lagging in addressing AI risks, which could lead to serious harm to public interest and the economy if a wait-and-see approach continues [1][4]. Group 1: Current AI Application in Financial Services - Over three-quarters of financial services firms in the UK have implemented AI in key business areas such as investment strategy formulation, administrative process automation, and insurance claims processing [4]. - While AI technology provides convenience to consumers, it also creates new financial stability risks due to the high dependency of financial institutions on AI systems and cloud service providers, which amplifies systemic risks [4]. Group 2: Recent Incidents Highlighting Risks - A significant outage of Amazon Web Services in October this year disrupted operations for several companies, including Lloyds Banking Group, underscoring the real threats posed by reliance on cloud services [4]. - Experts warn that AI-driven trading strategies may exacerbate market uniformity and volatility, while also increasing cybersecurity exposure, posing multiple challenges to the stability of the financial system [4]. Group 3: Regulatory Recommendations - The Treasury Committee has proposed several recommendations, including the need for the Financial Conduct Authority to issue clear guidelines by the end of this year to define the boundaries of AI use in the financial sector and clarify responsibilities [4]. - It is recommended to include key cloud service providers like Amazon Web Services and Google Cloud within the regulatory framework to enhance risk management of cloud infrastructure [4]. - The committee urges the prompt initiation of specialized market stress tests for AI to identify potential risk points in advance [4]. Group 4: Government and Regulatory Response - A spokesperson for the UK Treasury stated that the government aims to harness the potential of AI technology while effectively managing its risks [5]. - Both the Bank of England and the Financial Conduct Authority welcomed the Treasury Committee's recommendations and expressed commitment to studying and implementing them [5].