人工智能和机器学习在金融服务市场中的发展及其对金融稳定的影响

Artificial Intelligence and Machine Leaming in Financial Services： Market Developments and Financial Stability Implications

近年来人工智能和机器学习正迅速而深入地应用于金融服务行业，并将在微观和宏观层面给金融领域带来系列深远影响，亦将给金融稳定带来挑战。文章建议，现阶段应在切实评估人工智能和机器学习在数据隐私性、操作风险、网络安全等领域的应用风险的基础上，不断提高人工智能和机器学习相关应用模型的可解释性，加强对人工智能和机器学习在金融行业应用的配套监管。

In recent years, artificial intelligence （AI） and machine learning are being rapidly adopted for a range of applications in the financial services industry, which will have a number of far-reaching impacts on the financial sector at both the micro and macro levels, and bring potential challenges for financial stability. The paper suaaests that at the current staae, it will be important to assess AI and machine learnina models in view of their risks, including adherence to relevant protocols on data privacy, conduct risks, and cybersecurity, and to improve the interpretability of AI and machine learning. The uses of AI and machine learning should continue to be monitored.