人工智能可以替代人吗 2026.01. 12 本文字数：2393，阅读时长大约4分钟 作者 | 第一财经 揭书宜 当人工智能的浪潮席卷金融业，"机器取代人"的预言不绝于耳。然而，在技术狂飙的背后，一个更 深刻且确定的趋势正在浮现：人工智能与其说是"替代者"，不如说是"创造者"和"重塑者"。 1月8日，外滩FTC金融科技生态伙伴大会暨 "金融后街秀 Bund Fin-Talk Club" 沙龙在九江路69 号外滩FTC隆重举行。大会上，多位来自金融科技以及内容创作领域的代表联动探讨，在金融与智能 深度融合的"双角兽"时代，为何人类的判断力、创造力与责任感，依然是技术无法逾越的最终疆 界。 在本次大会的"破圈共潮大咖秀" 环节，上海新金融研究院副院长刘晓春围绕金融科技与内容融合， 分享了深度见解。他强调，金融创新应始终围绕金融本质展开，而"人"在技术应用中的核心地位不 可动摇。 刘晓春明确提出，金融创新的首要任务是金融本身，而非科技。他将相关技术分为三个层次：第一是 金融技术，即如何设计金融解决方案；第二是制度技术，重在建立效益、风险与利益的合理分配机 制；第三才是科学技术。只有摆正这三者的关系，才能真正推动金融 ...

Group 1 - The core idea of the conference is that in the era of AI, human creativity, judgment, and responsibility remain irreplaceable by technology [1] - The conference highlighted the importance of integrating human insight with technological advancements in finance, emphasizing that AI should be seen as a creator and reshaper rather than a mere replacement [1] - Liu Xiaochun from Shanghai New Financial Research Institute stressed that financial innovation should focus on the essence of finance rather than technology itself, categorizing technology into three levels: financial technology, institutional technology, and scientific technology [2] Group 2 - Yuan Yue, chairman of Zero Point Data, outlined the transition from financial technology (FT) to financial intelligence (FI), indicating a shift towards intelligent decision-making in finance [3] - He introduced a framework for understanding the core technologies supporting risk control and service optimization, emphasizing the limitations of large language models in high-sensitivity fields like finance [3] - The conference also explored the mutual empowerment between financial technology and content creation, discussing how both sectors can benefit from each other [3][6] Group 3 - Zhang Wenyu from Zhejiang University of Finance and Economics highlighted the fundamental impact of AI on various industries, particularly finance, marking the emergence of a new era of AI capabilities since the launch of ChatGPT [4][5] - He emphasized that while 99% of routine tasks may be automated, the unique human qualities of creativity and insight are essential for navigating complex scenarios [5] - Zhu Guangye, a financial investment entrepreneur, acknowledged the reality of AI replacing many repetitive tasks in finance but noted that certain roles still require human judgment and experience, particularly in nuanced situations [5][6]