How scary is artificial intelligence?

U.S. Treasury Secretary Yellen said on December 15 that U.S. regulators will make artificial intelligence and the threats it may pose a top priority in 2024. She said, This year, the US Financial Stability Oversight Council specifically pointed out that the use of artificial intelligence in financial services is a weakness of the financial system. Supporting responsible innovation in this area can allow the financial system to reap benefits such as increased efficiency, but existing risk management principles and rules should also apply.

In the past, in the face of the rapid development of artificial intelligence, people were most worried about the new impact it would have on employment. They believed that with the widespread use of artificial intelligence, a considerable number of people would be Loss of employment opportunities. Especially for office workers, the probability of losing their jobs is greater. It now appears that the risks and challenges that may arise from the rapid development and excessive application of artificial intelligence are far greater and faster than imagined.

The fact is that if artificial intelligence only brings about a technological revolution and only focuses on improving labor productivity and reducing personnel needs, it may not cause too much contradiction. After all, based on the experience of previous industrial revolutions, countries can easily find new employment spaces and channels outside of artificial intelligence to make up for the employment impact caused by the widespread use of artificial intelligence. For example, the elderly care industry, health industry, etc. can open up huge employment space. Human beings will not cause a large number of unemployment due to the widespread use of artificial intelligence. Even if it requires a change in the concepts of employed people, under the combined effect of external pressure and internal survival pressure, residents’ employment concepts will change.

However, just as the widespread use of the Internet has also produced relatively serious network security, the widespread use of artificial intelligence will inevitably have an impact and impact on all aspects of security, especially financial security and information security. , is the biggest impact and influence that artificial intelligence may bring. If you are not careful, it may leave huge risks, bring immeasurable losses to the stability of the financial industry, the safety of residents' lives, etc., and even cause financial The industry is completely paralyzed, and residents are at risk at any time.

The reason why the United States attaches so much importance to the impact of artificial intelligence on financial stability and security is because the United States has a developed financial industry, and the financial industry is an important part of supporting the U.S. economy, technology, society and even the military. Once the financial industry faces serious risks, the economic structure, financial system and social structure of the United States will be greatly impacted. This is not alarmism, but an unchangeable fact

The key is that the development speed of artificial intelligence has completely exceeded people’s imagination and has exceeded the pace of improvement and improvement of the regulatory system, including the financial field. And this phenomenon did not start with artificial intelligence. Starting from the Internet, the pace of supervision in other fields cannot keep up with the development speed of the Internet, resulting in information leakage, information security, and even information leakage in many fields. Problems such as being sold by staff have brought serious harm to economic security, social security, enterprise security, and residents' safety.

The positive and negative impacts of artificial intelligence on the industry are more obvious and more differentiated than those of the Internet. The positive effect is great, especially work efficiency, which will be greatly improved through the application of artificial intelligence. Even the Internet will be controlled by artificial intelligence. At the same time, artificial intelligence also functions under human control rather than functioning completely independently.

Since artificial intelligence is controlled by people, there will inevitably be questions about what kind of people it is controlled by. If artificial intelligence is manipulated by people with bad intentions and bad intentions, it is impossible to predict what kind of risks and impacts it may have. As the blood of the modern economy, the financial industry will have a serious impact on economic security and social security if it is not guaranteed by a stable and safe system.

Obviously, when it comes to the issue of artificial intelligence, it is not just the United States that needs to pay attention.

All countries should pay great attention to the impact and impact that may have on financial security after the widespread use of artificial intelligence. This is also the promotion of artificial intelligence. The most important thing that must be done in the end. Otherwise, artificial intelligence may really completely paralyze the financial industry, and also have a fatal impact on the economy, society, enterprises and residents' production and life.

Human beings have entered the era of artificial intelligence, which is a function of technological progress, a manifestation of technology changing life, and the result of technology winning the market and the future. However, the inherent risk characteristics of artificial intelligence, and the development of human beings to this day, greed, evil, etc. have not disappeared with the advancement of science and technology. On the contrary, they have become more obvious in some people. Naturally, they will also use artificial intelligence. Characteristics of serving individuals or interest groups. Under such circumstances, if timely supervision and safety assurance systems are not established to plug various possible loopholes, the negative effects of artificial intelligence will be infinitely magnified and endanger human safety. From this perspective, security is undoubtedly the most important issue to consider in the era of artificial intelligence, and it is not just financial security. Security in all aspects must be guaranteed, and a strong and solid "firewall" and "safety net" must be established. ,"Stabilizer".

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