金融领域中人工智能应用的监管与法律规制

Regulation and Legal Control of Artificial Intelligence Applications in the Financial Sector

人工智能技术逐渐介入金融领域,一方面提高效率、减少成本、优化决策,另一方面也带来了诸如个人隐私数据泄露、算法偏见、透明度不足、可解释性欠缺以及放大金融市场系统性风险等问题。当前人工智能技术被广泛地用于证券交易、风险评估、客户服务以及合规管理等领域,而世界各国金融监管机构正积极寻求解决人工智能技术风险的对策,包括建立行业对话、制定法规和标准、实施沙盒试验等,但由于人工智能技术的快速发展,监管者需要不断调整和更新监管政策以适应技术变革。我国金融领域对人工智能的监管和法律规制的探索路径,应当坚持以人为中心的监管理念,强化对算法实施方式的审核来平衡效率与成本,重点关注人工智能可能带来的系统性风险,提倡金融机构展开自我监管,完善监管顶层设计及制度工具,确保我国金融市场的可持续性发展。

Artificial intelligence(Al)technology is increasingly being integrated into the financial sector,enhancing efficiency,reducing costs,and optimizing decision-making.However,it also introduces challenges such as personal data privacy breaches,algorithmic bias,lack of transparency,insufficient explainability,and amplification of systemic financial market risks.AI technology is currently widely used in areas such as securities trading,risk assessment,customer service,and compliance management.Financial regulatory authorities worldwide are actively seeking countermeasures to address the risks associated with AI technology.These measures include establishing industry dialogues,formulating regulations and standards,and implementing sandbox experiments.Due to the rapid development of Al technology,regulators must continuously adjust and update regulatory policies to keep pace with technological changes.In exploring the regulatory and legal governance of Al in China's financial sector,it is essential to adhere to a human-centered regulatory philosophy.This involves strengthening the review of algorithm implementation methods to balance efficiency and cost,focusing on the systemic risks that Al might pose,encouraging financial institutions to engage in self-regulation,and improving the toplevel design and regulatory tools to ensure the sustainable development of China's financial market.