| 摘要: |
| 人工智能在监管科技，特别是合规科技中的应用逐渐广泛，将金融机构从大量、重复的人工工作中解放出来，提升了工作效率和准确性。与此同时，受人员储备、管理机制等因素影响，监管机构的人工智能应用水平还存在不足，一定程度上制约了监管效能的发挥。本文从监管机构的视角开展人工智能技术应用研究，并在金融监管中实践。人民银行重庆营业管理部在业内率先基于人工智能技术探索建设了监管科技应用平台，并通过构建具有普适性、健壮性的泛化模型，创新性地在跨行反洗钱现场检查中实践，成效明显。针对实践中遇到的问题，本文提出做好顶层设计、加强数据治理、完善风控措施等政策建议。 |
| 关键词: 金融科技；监管科技；人工智能；反洗钱 |
| DOI： |
| 分类号:F833 |
| 基金项目: |
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| An Exploration of RegTech Application Based on Artificial Intelligence |
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Financial Technology Research Group，The People’s Bank of China，Chongqing Operation Office
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The People’s Bank of China，Chongqing Operation Office
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| Abstract: |
| Artificial intelligence(AI) has been extensively utilized in RegTech especially by financial institutions in regulatory compliance.To financial institutions，AI not only saves a lot of human resource but also improves the efficiency and quality of compliance work.However，due to the lack of specilized personnel and the constraints of operation，financial regulators have fell behind in race of RegTech.This paper researches on how AI can be used in RegTech from financial regulators perspective.The Peoples Bank of China Chongqing Operation Office constructs an AI-powered RegTech application platform which is the first of its kind in the financial industry and explores an anti-money laundering (AML) on-site inspection application based on the platform.Based on the practice，we propose some policy suggestions including enhancing top-level design，improving data governance，establishing riks control measures. |
| Key words: FinTech；RegTech；AI；Anti-Money Laundring |
