Artificial intelligence instead of financial regulation?
Xie Ping, who once served as the director of the Central Bank Research Bureau and the general manager of the Central Huijin Company, proposed that all financial supervision can be carried out by artificial intelligence, and artificial intelligence can fully handle the work of all leaders of the "three lines of the three meetings." Can automatically stop the illegal business In Xie Ping's view, artificial intelligence is superior to manual supervision in terms of data acquisition and work efficiency. When all financial institutions work through the Internet, artificial intelligence can continuously monitor the entire financial system for 24 hours. Intelligence can automatically stop violating financial institutions or businesses. In the future, "one line, three meetings" may also be unemployed. Perhaps at the moment, "one line, three meetings" is brewing the reform of the regulatory system. What Xie Ping wants to say is that there is no need to discuss whether it should be merged. As long as there is developed supervision technology, the supervision system is no longer important. Penetrating supervision is difficult In addition, penetrating supervision is the first new idea put forward by the regulatory authorities when this round of financial risks is dealt with. In recent years, the rapid development of financial technology has intensified the characteristics of financial mixed operation. Some innovative services or products provided by financial institutions meet the regulatory requirements in stages, but when they look at the nature of their business, they find problems. Therefore, the central bank and the China Banking Regulatory Commission In the latest policy, the departments have emphasized the shift from the original departmental supervision to the penetration-based supervision. However, under the current institutional setting of separate supervision, how to embed the “regulatory probe†in the financial business chain to achieve penetrating supervision, and unified supervision of business flow, information flow and capital flow is difficult. External Rotor Motor,Outer Rotor Motor,External Rotor,External Rotor Fan Wentelon Micro-Motor Co.,Ltd. , https://www.wentelon.com