U.S. Treasury Minister Yellen said on December 15 that the US regulatory agency will use artificial intelligence (AI) and its possibilities as the primary task in 2024.She said that this year's US Financial Stability Supervision Commission specifically pointed out that using AI in financial services is a weakness of the financial system; supporting responsible innovations in this field can make the financial system improve efficiency and other benefits, but it should also be applied to the present.Some risk management principles and rules.
Prior to this, in the face of the rapid development of AI, people are most worried about thinking that it is widely used. A considerable number of people will be unemployed because of this, especially office staff, and the probability of losing work is greater.Now it seems that the excessive development and excessive use of AI may bring risks and challenges, which is far faster than the imagination.
The fact is that if AI only focuses on the improvement of labor productivity and the reduction of personnel demand, it may not cause much contradiction.After all, with the experience of the previous industrial revolution, it is easy for the world to find new employment space and channels outside AI to make up for employment shocks.For example, the pension industry and the health industry can open up huge employment space.Even if the concept of the industry needs to change, the workers will change under the common effect of external pressure and internal survival pressure.
However, as the wide use of the Internet has also produced a relatively serious cybersecurity, the wide use of AI will inevitably have impact and influence on the security of all aspects. In particular, financial security and information security are the biggest problems.If you are not careful, you may leave huge hidden dangers, bring irregular losses to the stability of the financial industry, life security, etc., and even cause a comprehensive paralysis of the financial industry.
The United States' emphasis on the impact of AI on financial stability and security naturally stems from the high degree of development of the US financial industry.The financial industry is an important part of supporting the US economy, technology, society, and even military. Once a serious risk occurs, the US building will collapse.This is not alarmist, but the reality brought by the US economic structure, financial system, and social structure.
The key is that the development speed of AI is completely beyond people's imagination, exceeding the sound and perfect pace of supervision system in the financial sector.Such a problem does not start from the AI. Starting from the Internet, the regulation of supervision in other fields cannot keep up with the speed of the Internet development, which has led to the problems of information leakage, insufficient security, and even the sales of information on the economy of many fields., Social, Enterprise and personal security have brought serious harm.
AI's positive and negative impact on the industry is more obvious and more different from the Internet.In terms of positive effects, especially work efficiency, it will be greatly improved from AI, and even the Internet will be manipulated by AI.At the same time, AI also plays a role under manipulation, not completely independent.Since it is manipulated, what kind of person will inevitably be manipulated by what kind of person.If you are manipulated by anxiety and bad attempts, you may not be estimated what risks and effects may have.As the blood of the modern economy, if there is no stable and security system for protection, the financial industry will seriously impact economic and social security.
On the AI issue, all countries should attach great importance to the impact of possible security in the fields of financial and other fields after extensive use of AI. This is the most important task that must be done well.
Humans entering the AI era are the role of scientific and technological progress, the embodiment of technology changing life, and the result of science and technology to win the market and the future.However, human greed, sin, etc. have not disappeared as scientific and technological progress; on the contrary, some people are more obvious, and naturally they will also use the characteristics of AI to serve individuals or interest groups.In this case, if the construction of a supervision system and a security security system is not formulated in a timely manner to block various possible loopholes, the negative effects of AI will be infinitely enlarged and endangers humans.From this perspective, security is undoubtedly the most needed issues in the AI era, and not only financial security, the security in all aspects must be guaranteed, and a strong and solid firewall, security net, and stabilizer must be established.
The author is Chinese Financial Reviewer
