Core Insights - Artificial Intelligence (AI) is a strategic technology driving a new wave of technological revolution and industrial transformation, particularly in the financial sector [1] Application of AI in Finance - AI can collect and process more extensive and richer data, which is fundamental for decision-making in finance. For instance, investors are using AI to analyze the micro-expressions of the Federal Reserve Chairman during press conferences to gauge the emotional state of financial decision-makers and its market implications [1] - The use of AI technology enhances market trend predictions by providing more information and faster calculations, allowing for multiple analytical perspectives on the same data [1] Automation and Personalization of Financial Services - AI enables automated and personalized financial services, exemplified by intelligent customer service systems that improve efficiency and can transform cost centers into profit centers through data-driven marketing [2] - AI significantly enhances fraud detection capabilities by utilizing data and algorithms to identify abnormal transactions, which is crucial for the financial industry [2] - Big data lending is a mature application of AI in finance, addressing the financing challenges faced by small and medium enterprises, low-income households, and rural economic entities by improving credit risk assessment and management [2] Future Implications of AI in Finance - The future impact of AI on the financial industry remains uncertain, particularly regarding whether it will lead to greater market stability or instability. While big data lending may enhance risk control and potentially lower financing costs, the widespread application of AI could also amplify market resonance and financial risks [2] - The fundamental principles of the financial industry are unlikely to change due to AI, but the specific balance points may shift, necessitating ongoing observation and research [2]

4月25日，习近平总书记在二十届中共中央政治局第二十次集体学习时指出："人工智能作为引领新一轮 科技革命和产业变革的战略性技术，深刻改变人类生产生活方式。党中央高度重视人工智能发展，近年 来完善顶层设计、加强工作部署，推动我国人工智能综合实力整体性、系统性跃升。"人工智能具备典 型的通用技术特征，具有溢出带动性很强的"头雁"效应，能够在几乎所有经济活动中发挥作用，金融领 域就是其中之一。近年来，人工智能在金融领域的创新应用，对于提高金融服务质量和效率具有重要作 用。全面推进人工智能在金融领域中的赋能应用，必须深入学习贯彻习近平总书记关于人工智能和金融 发展的重要论述。 同时需要看到，人工智能仍然在快速发展与迭代过程中，其在金融领域的应用也刚刚起步，很多业务形 态尚未成熟。比如，在被市场寄予很高期待的智能投顾领域，成功案例还相对较少。这也说明，人工智 能在金融领域的创新应用是一个长期过程，不宜操之过急。 人工智能在金融领域的创新应用，也引发了人们对于可能产生新的金融风险的担忧。比如，数据泄露会 引发数据安全问题，给一些不法分子带来可乘之机；如果算法透明度不够，出现"算法黑箱"，就容易导 致金融决策偏离初衷；存在 ...