关键词: 人工智能, 金融稳定, 金融科技, 机器学习

Abstract: As a cutting-edge scientific technology currently in the “spotlight”,artificial intelligence(AI)has been widely applied in the financial industry,profoundly transforming the financial consumption habits of the public.Countries worldwide have fully recognized the critical significance of AI technology in advancing the financial sector and driving progress in financial technology.Consequently,they are actively competing to dominate AI research,strategically deploying AI industry chains within finance,and striving to secure a proactive stance in the international financial market.However,as AI technology remains an emerging field yet to undergo a full economic cycle of validation—particularly due to its inherent technical risks—its application in finance introduces a series of undeniable challenges,posing new threats to national financial security and stability.This paper begins by clarifying the background of AIs rise in the financial industry.Then based on an analysis of the significance of the application of artificial intelligence technology in the financial industry and the potential risk issues it may bring,it proposes policy recommendations to strengthen AI governance and safeguard financial stability.

Key words: artificial intelligence, financial stability, financial technology, machine learning