TheCityUK：2026人工智能在金融服务领域的应用：全球新兴规范报告（中译版）（22页）.pdf

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1、January 2026AI in financial services:emerging global norms.AI IN FINANCIAL SERVICES:EMERGING GLOBAL NORMS.2This report maps how jurisdictions are approaching artificial intelligence(AI)in financial services,identifying where global coherence is emerging and setting out practical steps for policymake

2、rs,regulators,and international standard setters to promote the safe and responsible innovation of AI in financial services.Across jurisdictions there is positive alignment on the high-level principles that should govern AI,where most frameworks draw on the OECD and G20/G7 endorsed principles of hum

3、an-centricity,transparency and explainability,robustness and safety,and accountability.However,while this creates the right foundations for a shared global vocabulary,there is significant global divergence in how these principles are operationalised in national regulatory approaches.These vary from

4、prescriptive,innovation first or principle-based approaches according to national interests and policy ethos.It is important that varying national approaches do not hinder cross-border operations,constrain innovation,or slow the broader adoption of AI.AI is a general-purpose technology that could,un

5、der certain circumstances magnify existing financial sector risks(i.e.model risk,data governance,third-party concentration,prompt injection,hallucinations,and deep fake fraud associated with the use of generative AI)rather than introducing wholly new ones.That said,the financial sector is already su

6、bject to extensive regulation,which is already effective in addressing risks.It is important that regulatory initiatives not duplicate existing technology-neutral regulation.To mitigate the potential for such risks,while ensuring firms can benefit from the upside potential of AI,firms support collab