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金融安全治理:规则引领 有“模”有道
Jin Rong Shi Bao· 2025-08-08 07:55
Core Insights - The rapid development of fintech, particularly the innovation and widespread application of artificial intelligence (AI) in the financial sector, presents unprecedented opportunities and challenges for financial security governance [1][2] - Ensuring the efficient use of AI technology in enhancing financial services while effectively protecting personal information from misuse or leakage is a pressing issue for the industry [1] Group 1: Risks and Challenges - The application of large models in AI poses significant security risks, including data leakage, automated and intelligent cyberattacks on critical information infrastructure, deep forgery threats, and the emergence of misinformation due to model "hallucinations" [2][6] - Key challenges in financial security governance include the safety of data, reliance on algorithms and computing power, and risk prevention in critical financial areas [2][3] Group 2: Regulatory and Governance Measures - The integration of AI into the financial sector is an irreversible trend, necessitating bold research and innovation while simultaneously addressing potential risks [4] - Financial management departments face higher demands for policy formulation and execution in a more complex and rapidly changing financial environment, requiring effective regulatory measures that do not stifle innovation [4][5] - A comprehensive approach combining institutional, management, technological, and conceptual innovations is essential for effective financial risk prevention and governance [4] Group 3: Recommendations for Improvement - Recommendations include enhancing the legal and regulatory ecosystem for the financial industry, exploring composite regulatory paths, and establishing a unified regulatory framework to adapt to various financial services [5] - The establishment of ethical principles and frameworks for AI, strengthening the construction of a trustworthy digital content system, and enhancing privacy protection models are crucial for addressing financial security challenges [6]