生成式人工智能对金融监管框架的重构:技术、法律与市场的三维分析  

The Impact of Generative Artificial Intelligence on Financial Regulation

作　　者：张钰宁 林登辉 许恒 ZHANG Yuning;LIN Denghui;XU Heng(School of Accounting,Shanxi University of Finance and Economics;School of Business,China University of Political Science and Law)

机构地区：[1]山西财经大学会计学院 [2]中国政法大学商学院

出　　处：《金融市场研究》2024年第6期42-54,共13页Financial Market Research

基　　金：中央高校基本科研业务费专项资金中国政法大学科研创新项目“数字经济提升产业链供应链安全稳定的理论机制和实践路径研究”(21ZFQ79002)。

摘　　要：生成式人工智能作为当代先进的生产方式,凭借其创造性、灵活性、适应性和交互性,在金融领域等多个行业展现出革命性的潜力,是当代新质生产力的重要体现。生成式人工智能在提升金融创新和效率的同时,也带来了一系列前所未有的挑战,传统金融监管框架难以应对生成式人工智能的快速迭代变化和创新特性。本文基于当前美国、欧盟和中国生成式人工智能金融监管相关政策,提出“三维监管框架”,通过“技术与应用”“法律与伦理”“市场与社会”三个维度,从提高算法多样性与透明度、革新版权保护机制、构建责任归属新框架、构筑金融数据质量之锚、优化金融反垄断政策,以及制定跨境数据流动新标准六大核心要素出发,构建一个能够快速适应技术变革的金融监管新框架,不仅关注技术进步和金融创新,同时兼顾风险管理、市场公平性、市场参与者权益保护和全球监管协调。Generative Artificial Intelligence(GAI), as a contemporary advanced production method, demonstrates revolutionary potential across various industries, including finance, owing to its creativity, flexibility, adaptability,and interactivity. It stands as a significant manifestation of newer and higher-quality productive forces. While GAI enhances financial innovation and efficiency, it also introduces unprecedented challenges that traditional financial regulatory frameworks struggle to address due to their rapid iterative changes and innovative characteristics.This paper proposes a "Three-Dimensional Regulatory Framework" based on current financial regulatory policies concerning GAI in the United States, the European Union, and China. This framework encompasses technological and application aspects, legal and ethical dimensions, and market and societal impacts. It aims to increase algorithm diversity and transparency, innovate copyright protection mechanisms, establish new frameworks for accountability,anchor financial data quality, optimize antitrust policies, and set new standards for cross-border data flows. This new regulatory framework is designed to swiftly adapt to technological transformations, focusing not only on technological progress and financial innovation but also on risk management, market fairness, protection of market participants' rights, and global regulatory coordination.

关 键 词：生成式人工智能 金融监管 金融创新 金融科技 

分 类 号：F831[经济管理—金融学] D913[政治法律—民商法学] D912.1[政治法律—法学] TP18[自动化与计算机技术—控制理论与控制工程]