原标题：专访清华周道许：AI于金融是一把"双刃剑"，如何握住剑柄？ 21世纪经济报道记者 唐婧 北京报道 当前，人工智能正以前所未有的广度与深度，重塑金融行业的生态与逻辑。从风险定价到普惠信贷，从智能监管到生态构建， AI在赋能金融提质增效的同时，也带来了算法黑箱、数据鸿沟与新型系统性风险等深刻挑战。 2025年8月，国务院发布《关于深入实施"人工智能+"行动的意见》，明确指出要大力推进人工智能的规模化、商业化应用，推 动其与金融等重点领域深度融合。2025年12月召开的中央经济工作会议又提出，要深化拓展"人工智能+"，并完善相关治理。而 金融作为数据密集型行业，正是这一战略部署的关键落点。 在此背景下，金融业与人工智能将碰撞出怎样的火花？其发展的未来空间与治理边界何在？围绕上述问题，21世纪经济报道记 者专访了清华大学五道口金融学院金融安全研究中心主任、北京市"十五五"规划专家咨询委员会专家周道许。 周道许认为，AI在金融领域的应用远未触达天花板，其角色正从辅助工具向协同乃至自主决策演进，并将推动行业从"经验驱 动"迈向"数据驱动+算法驱动"的新范式。正如开车需要交通规则，"AI+金融"的发展也需要清晰、灵 ...

其次，区域金融中心的发展需要构建起完整的金融市场体系。 区域金融中心是由市场主体、 金融机构、交易市场、监管机制及金融基础设施构成的完整有机整体。过去地方在发展金融上形 成了一些观念上的偏差，比如过度注重吸引金融机构在当地注册，过度激励导致企业扎堆上 市、"带病闯关"等。地方发展区域金融中心一要注重打造培育市场主体的良性生态，要从实质性 优化营商环境、降低企业经营成本的角度为市场主体的落地生根及金融机构的聚集发展创造良好 条件；二要注重交易市场建设，要在全国统一大市场建设的基础上，推进地方金融市场发展，并 且注重地方金融交易市场与当地技术要素市场、数字要素市场、碳交易市场及区域股权市场之间 的衔接和互动，通过完善的交易市场体系来提升市场流动性；三要注重构建清晰的市场运行规则 和监管制度，确保区域金融市场安全、有序、透明、平稳地运行。 最后，区域金融中心的发展需要一系列配套的保障机制。 区域金融中心的打造不仅要着眼于 硬件设施、市场规模，更要注重法律法规、人才队伍、信用体系及金融文化等软环境建设。要健 全信用体系与创新机制，完善征信、评级、担保、风险补偿等基础制度；要持续推进金融高水平 对外开放，推进金融市场制 ...

Group 1 - The company focuses on addressing the urgent needs of different customer groups by providing precise, efficient, and valuable financial solutions, establishing a comprehensive financial service system [1] - The company has developed a mobile banking app as a "super entrance," integrating multiple functions such as account management, bill payments, investment, and government services, allowing customers to handle various transactions with a single login [1] - Special attention is given to elderly customers to bridge the "digital divide," ensuring they can also enjoy convenient online financial services [1] Group 2 - The company has enhanced the "Agricultural and Commercial Service Office" cooperation network, upgrading service points into comprehensive service centers to meet customers' one-stop service needs [2] - Various promotional activities, such as payment discounts and points redemption, are conducted to encourage customers to use the bank's cards and app, making them the preferred payment tools [1] - The company has launched customized financial products like "Order Loan," "Agricultural Machinery Loan," and "Warehouse Receipt Pledge Loan" to support the agricultural industry chain [2] Group 3 - A supply chain financial platform has been established in collaboration with core enterprises to provide accounts receivable financing and advance payment financing for upstream and downstream suppliers and distributors, effectively solving financing difficulties in the industry chain [2]

Core Insights - Jiangnan Rural Commercial Bank is actively supporting the development of the private economy in Changzhou, with a focus on providing comprehensive financial services to private enterprises [1][2][4] Financial Support and Services - By the end of 2024, Changzhou's market will have 864,400 business entities with a registered capital of 2.73 trillion yuan, with private enterprises making up 836,000 of these [1] - As of March 2023, the bank's loans to private enterprises reached 193.34 billion yuan, an increase of 3.36 billion yuan or 1.77% since the beginning of the year [1] - The bank has developed a multi-layered financial service system that includes settlement and wealth management, enhancing support for quality private enterprises while simplifying approval processes [2] Innovation in Financial Products - Jiangnan Rural Commercial Bank has introduced various specialized loan products tailored to different industries and stages of development, such as "Jiangnan Science Loan" and "Jiangnan Rong E Chain" [1][2] - The bank's mid-to-long-term loans for private enterprises reached 25.63 billion yuan by March 2023, an increase of 4.99 billion yuan or 24.19% year-on-year, supporting long-term investments and technological upgrades [2] Technology and Risk Management - The bank is leveraging financial technology to enhance services for the private economy, including a self-developed supply chain finance platform that has recognized 4,841 core enterprises and provided credit to 77,700 new enterprises [3] - The bank employs big data analytics to assess credit risks accurately, ensuring fund security and reducing financing costs for quality enterprises [2] Long-term Mechanisms and Strategic Goals - Jiangnan Rural Commercial Bank has established long-term mechanisms to continuously support the private economy, including setting annual service goals and creating a scientific incentive system [3][4] - The bank aims to enhance the quality and efficiency of financial services, contributing to the high-quality development of the private economy and supporting the modernization efforts in Changzhou [4]

Core Viewpoint - The rapid development of supply chain financial platforms among central enterprises, local state-owned enterprises, and large private enterprises is driving the growth of electronic receivable vouchers in various industries [1] Group 1: Automotive Industry - Major automotive companies such as SAIC, Geely, Great Wall, Chery, BYD, and Dongfeng have established their own supply chain financial platforms and electronic receivable vouchers [1] - Examples of these platforms include SAIC's Sike and Rong e Rong, Geely's Jitongbao, Great Wall's Great Wall Chain, BYD's DChain, Chery's Baoxiang, and Dongfeng's Dongxin [1] Group 2: Other Industries - Leading companies in construction, steel, home appliances, and consumer electronics also possess supply chain financial platforms [1] - Notable examples include China Construction's Cloud Certificate, Xiaomi's Tianxing Liangpiao, TCL's Jindan, Midea Group's Quanlianrong, and SF Holding's Fengdan [1] Group 3: Market Statistics - According to Yunqu Shuke Industrial Digital Asset Research Institute, there are over 500 supply chain information service platforms in China, with an annual cumulative certification issuance scale between 4 trillion to 5 trillion [1]