金融大模型:应用、风险与制度应对

The Mega Model of Finance:Applications,Risks and Institutional Responses

作为新质生产力的要素之一,金融大模型的应用具有高度的技术优越性、行业契合性与实践可行性。但金融大模型在给金融业带来巨大效益的同时也将引发一系列风险,主要体现为算法可信风险、数据安全风险和法律监管风险。然而,风险的出现并不意味着应当停止对金融大模型技术本身的应用。应对金融大模型的应用风险进行类型化与法律化检视,并融合算法伦理、数据相对安全和功能性监管三大理念,从“技”“制”二元共治视角建立可行的法律风险防范制度。通过健全相关制度,借助体系化制度工具应对金融大模型的法律风险,促进其安全、可信落地应用,为我国实现金融数智化转型和建设金融强国蓄力。

As one of the elements of the new quality productivity,the application of financial big models has a high degree of technical superiority,industry suitability and practical feasibility.However,while bringing great benefits to the financial industry,financial mega models will also lead to a series of risks,which are mainly reflected in the risks of algorithmic credibility,data security and legal regulation.However,the emergence of risks does not mean that the application of financial big model technology itself should be stopped.A typology and legalized review of the risks of the application of financial mega models should be carried out,and a feasible legal system for risk prevention should be established from the perspective of the dual governance of technology and system by integrating the three major concepts of algorithmic ethics,relative security of data and functional regulation.Through a sound legal risk prevention system,with the help of institutional tools to cope with the legal risks of the financial big model,to promote its safe and credible landing application,and to build up strength for our country to realize the transformation of financial digital intelligence and to build a strong financial country.