【环球网财经综合报道】中国人民银行原行长周小川日前表示，AI对货币政策的影响还需更长时间的观察和研究，但 AI在央行决策中具有一定应用潜力，尤其是在金融稳定与风险防控领域。未来监管需要面对AI黑箱模型产生的结果和 行动，从而调节或监管金融市场。 金融监管总局副局长肖远企也表示，必须关注AI对整个金融结构变化的潜在影响；目前AI在金融领域的应用仍处于早 期阶段，其作用仍是辅助性的，无法取代人的决策。 新美国安全中心近期在一份报告中分析了AI对当前网络安全防御和攻击的影响，并预测了未来前沿AI能力如何塑造攻 防平衡。报告发现，历史上AI能力对防御者有利，使他们能够迅速扩大解决方案来对抗新威胁；然而，未来的前沿模 型可能打破这种平衡，因为越来越自主的系统可能会危险地倾向于攻击者。 另据全国人大常委会法制工作委员会发言人王翔日前介绍，网络安全法修正草案回应人工智能发展需要，拟增加关于 人工智能安全与发展的框架性规定，主要内容包括：支持人工智能基础理论研究和算法等关键技术研发，加强安全风 险监测评估，创新并加强人工智能安全监管等。 ...

Core Viewpoint - The approval of the Industrial and Commercial Bank of China (ICBC) to acquire Chongqing Bishan Rural Bank and establish a new branch is aimed at enhancing financial stability and risk management in rural banking [1][2]. Group 1: Company Actions - ICBC has initiated the establishment of two rural banks, including Chongqing Bishan Rural Bank and Zhejiang Pinghu Rural Bank, with full ownership of the former and 60% ownership of the latter [2]. - The acquisition allows ICBC to absorb the assets, liabilities, business, and employees of Chongqing Bishan Rural Bank after asset verification [1]. Group 2: Industry Trends - The trend of merging rural banks into branches, referred to as "village to branch" (村改支), is becoming prevalent, with many major banks absorbing their rural banks to streamline operations and enhance risk management [3]. - The overall development of rural banks in China is showing a trend of reduction in numbers, with a focus on consolidating institutions to improve financial stability [3]. Group 3: Financial Stability and Risk Management - Experts suggest that merging rural banks into larger institutions like ICBC can strengthen financial regulation and risk prevention, as larger banks have more robust internal controls and risk management systems [2]. - The integration of rural banks into larger banking structures is expected to enhance credit availability for agriculture and small enterprises, thereby supporting rural economic development [3].