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美SEC代理主席:对金融AI应采取技术中立的监管方式

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2025-03-27 13:53:02

美国SEC代理主席强调AI金融监管需平衡创新与投资者保护



3月27日,美国证券交易委员会(SEC)官方发布了代理主席Mark T. Uyeda在金融行业人工智能圆桌会议上的重要发言。Uyeda明确指出,人工智能技术正在深刻重塑美国金融市场格局。



技术创新推动金融业变革

Uyeda强调,美国金融市场始终处于技术创新的前沿,各类人工智能应用已深度融入金融产品和服务体系。这些技术突破显著提升了交易效率、优化了投资决策,并持续推动金融产品和业务流程的现代化升级。



监管机构应采取技术中立立场

SEC代理主席特别指出,金融监管应当保持技术中立性,避免制定过于具体的规范框架。过度规范可能导致监管规则迅速过时,甚至产生监管重复等问题,最终阻碍行业健康发展。



SEC的监管责任与挑战

Uyeda表示,当人工智能等新兴技术在监管框架中暴露出潜在漏洞或需要额外指引时,SEC有责任及时应对。监管机构必须在鼓励技术创新与保护投资者权益之间寻求平衡,同时确保所有监管措施都在法定授权范围内,并符合成本效益原则。



对投资者的潜在影响:

1. 增强市场信心:平衡的监管框架有助于维护市场稳定性

2. 提升透明度:明确的AI使用规范可降低信息不对称风险

3. 防范系统性风险:及时填补监管漏洞能有效保护投资者权益

4. 促进创新红利:技术中立的监管环境可能带来更优质的金融服务

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