論金融業應用人工智慧之監理方向及內部規範之建立

Supervision of Artificial Intelligence in the Financial Industry and the Establishment of Internal Regulations for Financial Institutions

隨著近年人工智慧相關技術的進步，擁有大量金融客戶數據資料之金融機構無不積極投入人工智慧相關之新應用、新產品、新服務的開發，積極拓展人工智慧應用領域，然金融業屬我國高度監管之產業類別，隨著金融業應用人工智慧之場景更為多元且複雜，其相應而生之潛在應用風險亦隨之擴大，如隱私權侵害、道德倫理偏差等影響金融消費者權益之風險等問題均尚待建立相應之制度規範，國際間對人工智慧應用亦出現不同的管制立場，本文擬梳理金融業應用人工智慧相關潛在風險，並分析現今外國立法例針對人工智慧監理之規範，另特別探討新加坡金融監理機關針對金融業應用人工智慧規範之政策，以供我國金融機構及金融監理機關借鏡參考，最後將就我國現行金融機構人工智慧參考指引及監管政策中未盡完善之部分提供建議，並提出金融機構建立內部規範之指引框架，以期降低金融業應用人工智慧可能產生之負面影響，並促進整體金融科技產業之發展。

With the recent advancements in artificial intelligence (AI) technologies, financial institutions with large amounts of customer data are actively investing in the development of new AI applications, products, and services, and are expanding the application of AI in various areas. However, the financial industry is highly regulated in our country, and as AI applications become more diverse and complex, the potential risks associated with these applications also increase. Issues such as privacy violations and ethical biases that could affect the rights of financial consumers need corresponding regulatory frameworks. Internationally, different regulatory stances on AI applications have emerged. This paper aims to outline the potential risks of AI applications in the financial sector and analyze current foreign legislative regulations regarding AI oversight. It will also specifically examine the policies of Singapore’s financial regulatory authority concerning AI in finance, offering insights for our country’s financial institutions and regulatory bodies. Finally, recommendations will be provided regarding the inadequacies in the current AI guidelines and regulatory policies for financial institutions in our country, along with a suggested framework for establishing internal regulations to mitigate the potential negative impacts of AI in the financial sector and promote the overall development of the fintech industry.