資訊：歐洲央行提倡對金融領(lǐng)域的AI進行監(jiān)控

European Central Bank advocates monitoring and regulation of AI in finance

歐洲中央銀行提倡對金融領(lǐng)域的人工智能進行監(jiān)控和監(jiān)管


The European Central Bank (ECB) has issued a call for increased vigilance and potential regulation regarding the use of AI (AI) in the financial sector. While acknowledging the potential benefits of AI, the ECB emphasises the need to mitigate risks to consumers and ensure market stability.

歐洲中央銀行（ECB）呼吁對金融領(lǐng)域人工智能（AI）的使用提高警惕并加強監(jiān)管。在承認(rèn)人工智能的潛在利益的同時，歐洲央行強調(diào)需要減輕消費者的風(fēng)險并確保市場穩(wěn)定。 ?

The ECB acknowledges that AI, particularly generative AI, offers several advantages for banks and financial institutions. These include superior information processing capabilities, improved customer service efficiency, and enhanced cybersecurity measures.

歐洲央行承認(rèn)人工智能，特別是生成式的人工智能，為銀行和金融機構(gòu)帶去了很多方便，包括其卓越的信息處理能力、客戶服務(wù)效率的提升以及網(wǎng)絡(luò)安全措施的增強。

However, the ECB highlights several risks associated with the adoption of AI in finance. These risks include herding behaviour, over-reliance on a limited number of AI providers, and increased susceptibility to sophisticated cyberattacks.

然而，歐洲央行也強調(diào)了在金融領(lǐng)域采用AI的一些風(fēng)險。這些風(fēng)險包括從眾行為、過度依賴有限的AI提供商，以及增加復(fù)雜網(wǎng)絡(luò)攻擊的敏感性。

Given the potential risks, the ECB advocates for close monitoring of AI implementation in the financial system. It suggests that regulatory initiatives may be necessary to address any market failures that emerge and cannot be adequately managed within the existing regulatory framework.

鑒于潛在風(fēng)險，歐洲央行主張密切監(jiān)控金融系統(tǒng)中人工智能的實施。央行表明，可能有必要采取監(jiān)管舉措來解決出現(xiàn)的任何市場失靈問題，但在現(xiàn)有的監(jiān)管框架內(nèi)，并無對其進行充分管理的辦法。

The use of AI in the EU is regulated by the AI Act, which is the world’s first comprehensive AI law.  The regulation imposes transparency obligations and compliance requirements with EU copyright laws on general-purpose and high-risk AI systems. These regulations aim to ensure accountability and mitigate potential harms associated with AI technologies.

歐盟人工智能的使用受到《人工智能法案》的監(jiān)管，這是世界上第一部全面的人工智能法律。該法規(guī)對通用和高風(fēng)險的人工智能系統(tǒng)施加了透明度的義務(wù)，以及歐盟版權(quán)法的合規(guī)要求。這些法規(guī)旨在確保問責(zé)制，并減輕與人工智能技術(shù)相關(guān)的潛在危害。

The ECB notes that the adoption of AI systems by European financial companies is still in its early stages. Market contacts suggest that some hesitation exists among the Euro area financial institutions, partly due to perceived risks and potential reputational concerns.

歐洲央行指出，歐洲金融公司采用人工智能系統(tǒng)的局面仍處于早期階段。市場聯(lián)系人表明，歐元區(qū)的金融機構(gòu)目前還存在一些猶豫，部分原因是感知到了風(fēng)險和潛在的聲譽問題。