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China's National Financial Regulatory Administration Issues 32 Guiding Opinions on Secure Development and Application of AI in Banking and Insurance Sectors
2026-06-22 10:44:08 China's National Financial Regulatory Administration recently issued the "Guiding Opinions on the Secure Development and Application of Artificial Intelligence in the Banking and Insurance Sectors", putting forward 32 guiding measures covering governance structure, development and application, data governance, computing power infrastructure, risk management, capability enhancement, safeguards and supervision. The guidelines include improving the artificial intelligence governance framework, requiring financial institutions to strengthen top-level design and overall coordination, establish a comprehensive full-lifecycle AI management system, and enhance management of application scenarios and business processes. To advance high-level AI development and application, financial institutions are required to refine development and evaluation systems, implement full-process management for model development and deployment, prudently explore AI technology research and development as well as financial intelligent agent construction, and promote the development of an industry application ecosystem. In terms of enhancing data governance capabilities, institutions are required to improve data management and operational systems, strengthen data service capabilities, and continuously advance the development of high-quality datasets and knowledge engineering tailored to business scenarios. The guidelines also call for strengthening intelligent computing power infrastructure, promoting on-demand deployment of secure, efficient and self-controllable computing foundations. Large financial institutions with the necessary capabilities are encouraged to provide computing services to small and medium-sized financial institutions, and the industry is supported in exploring joint construction and sharing of infrastructure. The AI risk governance framework should be improved, with financial institutions required to incorporate AI risks into their comprehensive risk management systems, implement risk classification and tiered management, and establish access controls for high-risk applications. For key stages of high-risk applications, human oversight and intervention mechanisms must be in place, alongside enhanced outsourcing and supply chain risk management. The opinions also emphasize strengthening secure AI development and application capabilities, enhancing model robustness, improving transparency and explainability, and ensuring AI applications comply with laws, regulations and social values. Institutions are required to reinforce cybersecurity, data security and personal information protection, as well as strengthen operational resilience and business continuity management. Regarding safeguards and supervision, the National Financial Regulatory Administration and its local offices are tasked with enhancing guidance and oversight, urging financial institutions to fully implement risk governance requirements, closely monitor compliance risks in financial operations, and strictly investigate and penalize violations. The regulator will also strengthen risk response and disposal mechanisms, regularly assess regulatory policies and their effectiveness, and continuously improve regulatory adaptability. (jl/u)~ AASTOCKS Financial News Website: www.aastocks.com This article was automatically translated by AI, the Chinese version should be considered the authoritative version. AASTOCKS.com Limited does not guarantee its accuracy or completeness and accepts no liability for any damages or losses arising from the use of this translation. | |