2025外滩年会圆桌讨论：“AI+金融”尚处早期 提效同时应关注风险

Core Viewpoint - The application of artificial intelligence (AI) in the financial sector is still in its early stages, with potential benefits in efficiency and risks that need careful evaluation [1][6]. Group 1: AI Applications in Finance - AI is deeply integrated into various financial processes, primarily focusing on optimizing business operations and customer service [3]. - Key areas of AI application include middle and back-office operations, customer relationship management, and the provision of financial products [3]. - AI helps financial institutions reduce costs and improve efficiency while offering more personalized and precise financial products and services to clients [3]. Group 2: Opportunities and Changes - AI provides new development opportunities for the financial system, particularly in banking, leading to significant marginal changes [5]. - The financial system has a solid foundation for AI applications due to the vast amounts of data accumulated over time, which can be utilized for machine learning and deep learning [4]. Group 3: Risks Associated with AI - The introduction of AI brings new systemic risks and new channels for risk transmission, enhancing both the monitoring capabilities of regulators and the potential impact of risks [7]. - Risks can be observed from both micro and macro perspectives, including model stability risks and data governance risks at the micro level, and concentration risks and decision-making homogeneity risks at the macro level [7]. - Concentration risk arises from reliance on a few strong technology providers, while decision-making homogeneity risk may lead to synchronized decision-making across financial institutions, potentially causing a "resonance" effect [7]. Group 4: Impact on Monetary Policy - The influence of AI on monetary policy requires long-term observation, as its effects are not yet clearly defined [9][10]. - AI can impact monetary policy decisions through data collection and pattern recognition, but monetary policy adjustments are generally slow and influenced by economic cycles [10].