对于金融机构核心竞争力的变化，肖远企认为，资本实力、客户基础、风控能力、人才队伍、公司治 理、企业文化等传统要素仍然重要，但人工智能时代催生了新的核心诉求。例如，数据与算法重要性上 升，如何将"可用数据"转化为"可信数据"、识别整合有价值信息变得非常关键。数据与模型选择的差异 会导致结果天差地别，坚持"选择中性"原则就显得很有必要，是金融机构竞争力的具体体现。在保险领 域，应用人工智能科技提升精算假设的合理性与可实现性，降低假设与结果的偏离度就构成了保险机构 的核心竞争力要素。 针对金融生产最大可能性边界，肖远企表示，金融的一个重要功能就是配置资源。人工智能的发展无疑 有助于更好更有效率地配置资源，潜力可以充分挖掘，更多的资源很有可能"恰到好处"地分布在生产可 能性曲线之上，完成现有资源的最优配置。同时，人工智能作为重大科技进步，推动金融最大生产可能 性边界向外移动也是完全可以期待的。 10月18日，金融监管总局副局长肖远企在全球财富管理论坛·2025上海苏河湾大会上谈到了人工智能科 技在金融领域的应用实践与趋势性变化情况，涉及金融供给、金融集中、金融机构核心竞争力、金融生 产最大可能性边界、金融监管五个方面 ...

Core Insights - The application of artificial intelligence (AI) in the financial sector is expected to significantly enhance financial supply, efficiency, and the overall competitive landscape of financial institutions [1][2][4][5] Financial Supply - AI is anticipated to drastically reduce the costs associated with the development, transformation, and production of financial products, enabling greater product diversification and accessibility to remote customers [1] - The emergence of the "long tail effect" allows previously overlooked niche demands to become economically viable due to improved cost-benefit dynamics [1] Financial Concentration - AI empowers the financial industry by providing foundational technologies, data, and algorithms, leading to a preference for collaboration between large financial institutions and tech companies [2] - Large financial institutions possess inherent advantages in resource allocation, customer base, and data accumulation, allowing them to develop more accurate predictive and risk management models [2] Core Competitiveness - The importance of data and algorithms has increased in the AI era, necessitating the transformation of "usable data" into "trustworthy data" to avoid misleading outcomes [4] - In the insurance sector, enhancing the validity of actuarial assumptions through AI is crucial for resource allocation and management decisions, forming a key competitive element for insurance institutions [4] Financial Production Possibility Frontier - AI is expected to improve the efficiency of resource allocation in finance, potentially optimizing the distribution of resources along the production possibility curve [5] - The advancement of AI is projected to push the financial production possibility frontier outward, indicating a significant potential for growth [5] Financial Regulation - Financial institutions are encouraged to leverage the latest technologies to optimize services, reduce operational costs, and enhance management efficiency while maintaining robust risk management practices [5] - A dynamic balance between concentration and dispersion, uniqueness and homogeneity, as well as safety and efficiency is essential for building a resilient financial system [5]