U.S. Treasury Secretary Janet Yellen said on December 15 that U.S. regulators will make AI and the threats it could pose a top priority in 2024. She saidThis year, the U.S. Financial Stability Oversight Council specifically pointed to the use of AI in financial services as a weakness of the financial system. Supporting responsible innovation in this area can provide benefits such as greater efficiency for the financial system, but existing risk management principles and rules should also be applied.
In the past, in the face of the rapid development of artificial intelligence,People are most worried that it will bring new impacts and impacts on employment, and it is believed that with the widespread use of artificial intelligence, a considerable number of people will lose employment opportunities as a result. Office workers, in particular, are more likely to lose their jobs. Now it seems that the risks and challenges that may be brought about by the rapid development and overuse of artificial intelligence are far greater than imagined and faster than imagined.
The fact is that if AI only brings about a technological revolution and focuses only 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 revolutions, it is easy for countries to find new employment spaces and channels outside of AI, so as to make up for the employment impact caused by the widespread use of AI. For example, the pension industry, the health industry, etc., can open up a huge employment space, and human beings will not cause a large number of people to lose their jobs due to the extensive use of artificial intelligence. Even if it is necessary to change the concept of the employed, the employment concept of residents will change under the combined effect of external pressure and internal survival pressure.
However, just as the widespread use of the Internet has also produced a more serious network security, the widespread use of artificial intelligence will inevitably have an impact and impact on the security of all aspectsIn particular, financial security and information security are the biggest impact and impact that artificial intelligence may bring, and a little carelessness may leave huge risks and hidden dangersIt has brought immeasurable losses to the stability of the financial industry and the safety of residents' lives, and even caused a complete paralysis of the financial industry, and residents are at risk at any time.
The United States attaches so much importance to the impact of artificial intelligence on financial stability and financial security, which naturally stems from the highly developed financial industry in the United States, and because the financial industry is an important part of supporting the American economy, American technology, American society, and even American affairs. This is not alarmism, but it is a fact that cannot be changed brought about by the economic structure, financial system, and social structure of the United States.
The key is that the speed of development of artificial intelligence is completely beyond people's imagination, and beyond the pace of sound and perfect regulatory systems, including the financial sector. This phenomenon does not start with artificial intelligence, but from the Internet, the pace of supervision in other fields cannot keep up with the development speed of the Internet, resulting in information leakage, information security, and even information being sold by staff in many fields, which brings serious harm to economic security, social security, enterprise security, and resident security.
The positive and negative impacts of artificial intelligence on the industry are more obvious and differentiated than those of the Internet. The positive effect is great, especially the work efficiency, which will be greatly improved in the application of artificial intelligence, even the Internet, will be manipulated by artificial intelligence. At the same time, artificial intelligence also functions under human manipulation, rather than completely independently. Since artificial intelligence is manipulated by humans, the question of what kind of people will inevitably arise. It is impossible to estimate what kind of risks and effects AI may have if it is manipulated by people with bad intentions and bad intentions. As the blood of the modern economy, if the financial industry is not guaranteed by a stable and safe system, it will have a serious impact on economic security and social security.
Obviously, on the issue of artificial intelligence, the United States is by no means the only one that needs to pay attentionAll countries should attach great importance to the impact and impact that the widespread use of AI may bring to financial security, which is also the most important work that must be done after the promotion of AI. Otherwise, artificial intelligence may really paralyze the financial industry, and it will also have a fatal impact and impact on the economy, society, enterprises and residents' production and life.
Human beings have entered the era of artificial intelligence, which is the role of scientific and technological progress, the embodiment of science and technology changing life, and the result of science and technology winning the market and the future. However, the inherent risk characteristics of artificial intelligence, as well as the development of human beings to this day, greed, crime, etc. have not disappeared with the progress of science and technology, on the contrary, in some people, it is more obvious, and naturally, it will also use the characteristics of artificial intelligence to serve individuals or interest groups. In such a situation, if a timely regulatory system and security system are not built to plug all possible loopholes, the negative role of artificial intelligence will be infinitely magnifiedand endanger human security. From this point of view, security is undoubtedly the most important issue to consider in the era of artificial intelligence, and not only financial security, but also security in all aspects must be guaranteed, and a strong and solid "firewall", "safety net" and "stabilizer" must be established.
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