肖远企：AI给金融行业带来两类增量风险

Core Viewpoint - The application of AI in the financial sector is still in its early stages and serves as an auxiliary tool rather than a replacement for human decision-making [2][3] Group 1: AI's Impact on Employment - There have been no reported cases of financial institutions facing employee placement pressures solely due to AI applications [2] - AI is viewed as a tool that enhances operational efficiency and service delivery, but it cannot replace the personalized interactions between employees and clients [2] - The application of AI may create more job opportunities rather than eliminate them, but the extent of its transformative impact remains to be observed [2] Group 2: Risks Associated with AI Applications - Historical technological revolutions in finance have primarily introduced incremental and marginal risks, while fundamental risks such as credit, market, liquidity, and operational risks remain unchanged [3] - From a micro perspective, financial institutions face two new types of risks: model stability risk and data governance risk [4] - From a macro perspective, the industry faces concentration risk and decision convergence risk, which could lead to a homogenization of decision-making across institutions [4] Group 3: Current Applications of AI in Finance - AI is primarily used to optimize business processes and enhance external services within the financial industry [5] - The main areas of AI application include: 1. Intelligent operations in back-office functions, covering data collection, processing, information identification, and client assessment [5] 2. Customer interaction, where AI is widely used in customer relationship management, marketing, and problem-solving [5] 3. Financial product offerings, which benefit from AI by reducing costs and improving efficiency internally while providing more personalized and precise services externally [5]