在平安银行成为中国首家正式采纳人工智能应用管理规则的上市银行后，分析人士指出，更多内地金融机构很可能也会效仿，此举将为银行业在人工智能技术应用方面的推进程度树立早期标杆。
After Ping An Bank became the first listed Chinese lender to formally adopt rules governing its use of artificial intelligence, analysts said more mainland institutions were likely to follow, with the move setting an early benchmark for how far the sector can go in applying the technology.
这家在深圳上市的银行周三在公告中称，在监管部门敦促银行加强对人工智能应用的监管背景下，其董事会已批准相关人工智能管理措施。不过，完整的规则细则尚未对外公布。
The Shenzhen-listed bank said in a filing on Wednesday that its board had approved AI management measures, following a regulatory push for banks to strengthen oversight of AI use. The full rules have not been made public.
据平安银行近期向国内媒体透露的信息，目前中国内地尚无其他上市银行宣布实施类似措施。
No other listed bank in mainland China had announced similar measures, according to comments Ping An Bank recently gave to domestic media outlets.
该银行还表示，其董事会战略委员会将负责监督所有与人工智能相关的事务，在“开发与应用的各个阶段”实施审查，并建立数据安全、算法风险管控、伦理审查及责任追溯机制。同时，银行还将对人工智能风险进行分级处理，并将其纳入整体风险管理体系。
The lender also said its board’s strategy committee would oversee AI-related matters, with checks at “every stage of development and use” and mechanisms for data security, algorithm risk, ethics review and responsibility tracing. It would classify AI risks by level and fold them into an overall risk-management system.
这些措施旨在落实国家金融监督管理总局今年6月发布的指导文件。该文件明确要求银行和保险公司对其所使用的人工智能系统承担相应责任，并要求董事会设立相应的监督机制。
The measures implement guidelines issued in June by the National Financial Regulatory Administration. These guidelines hold banks and insurers responsible for the AI systems they use and require boards to establish oversight mechanisms.
根据平安银行发布的半年报，截至6月底，该行已在营销、投资咨询、合规管理及风险控制等多个领域落地超过450个基于大模型的人工智能应用案例。
The bank had rolled out more than 450 large-model AI use cases by the end of June, in areas including marketing, investment advice, compliance and risk control, according to its interim report.
法国外贸银行分析师吴嘉豪指出：“中国乃至全球的更多银行都将朝着这一方向迈进。”据上海财联社报道，目前已有多家银行正在落实相关指导文件，预计也将出台类似的治理规则。报道还称，今年所有42家A股上市银行均在其半年报中提及了人工智能相关内容。
More banks in China and globally will move towards this directionGary Ng, Natixis Several other banks were working to implement the guidelines and expected to issue similar governance rules, Shanghai-based financial news agency Cailian Press reported. All 42 A-share listed banks mentioned AI in their interim reports this year, it added.
香港金融分析师及专业评论员协会主席邓锡兴则表示，此次公告披露的细节有限，尤其是关于人工智能技术在实际业务中的具体应用方式尚未明确。“不过我认为这正是金融机构的未来发展趋势，”他说。
Kenny Tang Sing-hing, chairman of the Hong Kong Institute of Financial Analysts and Professional Commentators, said the announcement provided limited detail, including how the technology would be deployed in practice. “But I believe this is the future trend for financial institutions,” he said.
唐伟邦补充道，鉴于内地涉及的监管规定种类繁多，要观察监管机构究竟愿意允许银行在多大程度上应用人工智能，仍需一段时间。
Given the range of mainland regulations involved, it would take time to see how far regulators were prepared to allow banks to expand their use of AI, Tang added.
法国外贸银行亚太区高级经济学家吴卓殷指出，人工智能的应用“必须辅以相应的治理措施，尤其是在金融领域，保护客户权益与维护金融稳定至关重要”。
Gary Ng, senior economist for the Asia-Pacific region at Natixis, said AI adoption “must come with governance, particularly in finance, where the protection of customers and financial stability” were critical.
当前，香港当局正敦促本地金融机构为新一代自主型人工智能系统的应用做好准备，力争将香港打造为国际合规标准的枢纽。
The development comes as Hong Kong officials urge local financial institutions to prepare for a new wave of autonomous AI systems and position the city as a hub for international compliance standards.
财政司司长陈茂波周日在其每周博客中写道，香港可在人工智能模型训练、跨境数据流动、隐私保护及争议解决等领域提供“值得信赖的解决方案”。
Financial Secretary Paul Chan Mo-po wrote in his weekly blog on Sunday that the city could offer “trusted solutions” in areas including AI model training, cross-border data flows, privacy protection and dispute resolution.
他提到，香港的普通法体系、与国际接轨的标准以及专业服务业都是其显著优势。
He cited the city’s common law system, internationally connected standards and professional services sector as key advantages.
今年3月，香港金融监管机构将2024年最初面向银行业推出的生成式人工智能监管沙盒，进一步扩展至证券、保险及养老金行业。
In March, Hong Kong’s financial regulators expanded a supervised sandbox for generative AI, originally launched for banks in 2024, to include the securities, insurance and pensions sectors.
唐伟邦表示，许多香港的银行与保险公司早已引入人工智能技术以降低运营成本，尤其是与合规相关的开支。
Tang said many Hong Kong banks and insurers had already adopted AI to reduce operating expenses, particularly compliance-related costs.
吴卓殷认为，在当今世界日益呈现碎片化趋势的背景下，香港堪称“测试并应用不同司法管辖区标准的理想之地”。
Ng said Hong Kong could be “a perfect place to test and apply the standards of different jurisdictions in an increasingly fragmented world”.