Xie Ping proposed that with the advancement of science and technology, all financial supervision can be carried out by artificial intelligence, and artificial intelligence can completely win the work of all the leaders of the three branches of the Three Committees.
Xie Ping believes that artificial intelligence can replace financial supervision for three reasons:
First, the amount of data obtained by artificial intelligence is close to infinity data, which is much more than the data obtained by one line and three meetings. For example, artificial intelligence can get a lot of people's behavior data through reptiles' various technologies, and automatically standardize it and put it into supervised monitoring. Therefore, we should fully believe that in the aspect of data acquisition, artificial intelligence must be better than one line and three meetings. .
Second, when artificial intelligence is used for financial supervision, the parameters are determined by humans, but any parameter artificial intelligence can be fully implemented, and the algorithm can be automatically calibrated and fed back to the parameter maker during execution.
Third, according to the basic principle of artificial intelligence work, when the data is large enough, the total sum of knowledge about financial supervision of all staff members of the regulatory agencies can be counted and mastered. "We give an example. The CBRC vice president from the elementary school to the vice chairman of the China Banking Regulatory Commission has read all the books, articles written, and work experience for 40 years. Artificial intelligence is available in one second. And artificial intelligence can be based on his 40-year data. Automatically calculate what decisions he will make tomorrow and the day after tomorrow, financial supervision is actually relatively simple from a mechanical point of view, because it does not involve people's feelings, culture, political and ideological work, and is entirely a technical activity. It can win the work of all the leaders of any of the three associations," Xie Ping said.
Xie Ping proposed that all financial supervision can be done using statistical laws, and that statistics can be used to obtain algorithms that will be automatically refined through machine learning and regulatory requirements. When all financial institutions work through the Internet, artificial intelligence can continuously monitor the entire financial system for 24 hours. When a change is detected, artificial intelligence can automatically stop violating financial institutions or businesses.
The financial system is first and foremost a base for digitalization, so it is possible to use the artificial intelligence financial supervision system to do supervision work. Finance is easier to implement than the general industry. Given the complexity of the current financial system, artificial supervision cannot be compared to artificial intelligence supervision.
“So my important conclusion is that with the development of the human financial regulatory system, regulatory technologies are the main ones, and the regulatory system is not important. It is not necessary to discuss (a three-member conference) should be combined, as long as you have developed regulatory technologies, To the clerk, how to merge will be meaningless," Xie Ping said.
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