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Artificial intelligence (AI) and its integration with finance have taken center stage as a core topic at the 2026 Financial Street Forum. In an interview during the forum, Zhang Ke, executive chairman of the Beijing Frontier Institute of Regulation and Supervision Technology, shared insights with CGTN on the opportunities, risks and global governance of AI in the financial sector.
Describing AI as the driver of the fifth industrial revolution, Zhang emphasized that AI's primary value lies in boosting efficiency. However, he cautioned that fundamental challenges remain as long as AI models rely heavily on path dependence and data dependence.
Addressing the risks of applying AI to data-intensive financial systems, Zhang highlighted two major concerns: data privacy and accountability. While data flow is essential, questions surrounding data security, access levels, and public disclosure require strict regulatory frameworks worldwide. Furthermore, while AI can significantly optimize research and decision support, Zhang warned against delegating final trading decisions entirely to algorithms. In cases of financial loss, ultimate accountability must rest with human decision-makers rather than machine intelligence.
To address these systemic risks, Zhang called for proactive international cooperation. He compared the need for global AI governance to major international conventions, such as the Paris Agreement on climate change and the Stockholm Convention on intellectual property. Rather than over-regulating, governments should work together to establish an international "AI Accord" to bring order and structure to scattered rules.
Looking ahead, Zhang noted that AI creates the greatest value when positioned as a strategic advisor for high-level decision-making and group strategy, rather than replacing routine transactional operations. In every critical financial maneuver, he concluded, human oversight remains irreplaceable.
来源：CGTN
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“金融科技中心网络”（Global FinTech Hub Network，以下简称“GFHN”）由北京前沿金融监管科技研究院在2022金融街论坛年会暨金融科技大会专场活动“金融科技发展与技术生态合作”中宣告启动，旨在促进“交流”、鼓励“分享”、倡导“合作”、崇尚“开放”，致力于打造一个国际化、品牌化的世界级金融科技生态系统。
GFHN以金融科技发展领军城市和速度较快的城市为基础，将邀请当地金融监管部门、传统金融机构、新兴持牌金融机构、金融科技企业、学术机构等金融科技各业态的知名机构共同参与，并协助合作城市伙伴开展一系列高层次、有实效的交流活动，从而建设一套良好的国际间金融机构与业界交流机制。
GFHN呼吁各国金融中心城市发挥资源优势，织密全球合作网络，分享审慎监管经验，深化技术创新合作，强化科技成果推广应用，共同助力金融科技产业生态发展，共建金融科技治理新体系，共享金融科技发展新机遇，并提出九项倡议：
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北京前沿金融监管科技研究院（Beijing Frontier Institute of Regulation and Supervision Technology，简称FIRST）是由北京市委金融办、市委金融工委、市金融管理局作为业务主管单位的社会服务机构（民办非企业单位）。
研究院源于浙江大学金融科技研究院和国际联合商学院自2014年11月成立以来在学科建设、国际化发展、政产学研创融合发展等方面积累的优势，积极与北京市开展合作，助力北京建设具有全球影响力的金融科技创新中心。研究院致力于开展适合我国国情的金融科技和监管科技前沿创新理论研究，发布“全球金融科技中心城市报告”，通过“科技+金融+应用”的聚集效应，提升“科技+监管”“科技+合规”的双向场景赋能。作为全球金融科技中心网络发起者，研究院通过国际交流与合作，构建监管机构、行业协会、金融企业、科技公司以及科研院所等各主体良性互动的平台,打造监管科技生态圈和金融科技发展生态圈。
