香港金融管理局：2024年有关使用生成人工智能的消费者保障（英文版）（9页）.pdf

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1、 Our Ref:B1/15C B9/67C 19 August 2024 The Chief Executive All Authorized Institutions Dear Sir/Madam,Consumer Protection in respect of Use of Generative Artificial Intelligence I am writing to provide authorized institutions with a set of guiding principles in respect of use of generative artificial

2、 intelligence(“GenAI”)in customer-facing applications from consumer protection perspective.In view of the development of big data analytics and artificial intelligence(“BDAI”),the Hong Kong Monetary Authority(“HKMA”)issued a set of guiding principles in the circular“Consumer Protection in respect of

3、 Use of Big Data Analytics and Artificial Intelligence by Authorized Institutions”dated 5 November 2019(“2019 BDAI Guiding Principles”),focusing on four major areas,namely governance and accountability,fairness,transparency and disclosure,and data privacy and protection(see Annex 1 for a handy summa

4、ry1).These guiding principles have demonstrated to be beneficial to banks and customers,and helped promote the healthy development of BDAI in the Hong Kong banking sector,as seen in the proliferation of use cases of BDAI revealed in a recent survey conducted by the HKMA(see Annex 2 for a summary of

5、the survey results).More importantly,the 2019 BDAI Guiding Principles have also helped enhance customer confidence in using banking services adopting BDAI.In recent months,the HKMA notes an increasing interest of the banking sector in adopting GenAI in their operations.GenAI is a form of BDAI that e

6、nables generation of new content such as text,image,audio,video,code or other media,1 For guidance on risk management of authorized institutions in respect of the use of artificial intelligence(including GenAI),please refer to the HKMA circular“High-level Principles on Artificial Intelligence”dated