首页|生成式AI在金融领域的应用、风险与监管建议

生成式AI在金融领域的应用、风险与监管建议

Generative AI in the Financial Sector:Applications,Risks and Regulatory Suggestions

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近年来,以信息技术为基础,新一轮科技革命方兴未艾,人工智能尤其是生成式人工智能广泛应用于人类社会生活不同领域,促进相关产业链快速发展.现有研究成果显示,人工智能在金融领域的广泛应用,大大提升经济效益与效率,但也蕴含不少风险.对此,境外国家和地区、国际监管机构为因应当前金融科技发展的需求,妥善处理金融科技创新与安全之间的关系,积极主动制定监管制度,提升监管机构的能力.我国作为人工智能技术和金融业发展的大国,亦应多措并举制定人工智能监管制度,这不仅有助于控制相关领域潜在风险,而且有助于争夺相关领域的制度性话语权.
Based on information technology,a new round of scientific and technological revolution is in an ascendant.Artificial intelligence(AI),especially generative artificial intelligence,is widely used in different fields of human social life,promoting a rapid development in relevant industrial chains.Current researches reveal that widespread AI applications in finance indeed great-ly improve economic benefits and efficiency,yet with many potential risks.Therefore,in order to meet current needs of financial technological development and properly handle the relationship between financial technology innovation and security,many re-gions,countries and international regulatory agencies proactively formulate relevant regulatory systems and improve the capabili-ties of regulatory agencies.As a major country in AI technology and financial industry development,China needs to take multiple measures to formulate relevant regulatory systems.This serves not only to control relevant potential risks,but also to help compete for institutional voicing powers.

artificial intelligencerisksgenerative artificial intelligencefinancial regulations

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中国社会科学院 信息情报研究院,北京 100732

生成式人工智能 法律风险 金融科技 金融监管

2025

南京理工大学学报(社会科学版)
南京理工大学

南京理工大学学报(社会科学版)

影响因子:0.96
ISSN:1008-2646
年,卷(期):2025.38(1)