资讯：欧洲央行提倡对金融领域的AI进行监控

European Central Bank advocates monitoring and regulation of AI in finance

欧洲中央银行提倡对金融领域的人工智能进行监控和监管


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.

欧洲中央银行（ECB）呼吁对金融领域人工智能（AI）的使用提高警惕并加强监管。在承认人工智能的潜在利益的同时，欧洲央行强调需要减轻消费者的风险并确保市场稳定。 ​

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.

欧洲央行承认人工智能，特别是生成式的人工智能，为银行和金融机构带去了很多方便，包括其卓越的信息处理能力、客户服务效率的提升以及网络安全措施的增强。

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，欧洲央行也强调了在金融领域采用AI的一些风险。这些风险包括从众行为、过度依赖有限的AI提供商，以及增加复杂网络攻击的敏感性。

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.

鉴于潜在风险，欧洲央行主张密切监控金融系统中人工智能的实施。央行表明，可能有必要采取监管举措来解决出现的任何市场失灵问题，但在现有的监管框架内，并无对其进行充分管理的办法。

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.

欧盟人工智能的使用受到《人工智能法案》的监管，这是世界上第一部全面的人工智能法律。该法规对通用和高风险的人工智能系统施加了透明度的义务，以及欧盟版权法的合规要求。这些法规旨在确保问责制，并减轻与人工智能技术相关的潜在危害。

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.

欧洲央行指出，欧洲金融公司采用人工智能系统的局面仍处于早期阶段。市场联系人表明，欧元区的金融机构目前还存在一些犹豫，部分原因是感知到了风险和潜在的声誉问题。