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国际资讯监管与政策

FCA希望借人工智能和机器学习来推进金融合规

英国金融市场行为监管局(后文简称FCA)是一家独立的金融监管机构。近日,该机构开始探寻利用人工智能和机器学习工具的来加强监管合规。

FCA数据与信息业务部门主管Nick Cook表示,人工智能监管者“仍处于学习状态”,不过他们正在努力通过监管科技(regtech)
公司的意见反馈来了解如何更好地进行自动化、数字化业务监管。

Regtech(监管技术)是金融科技(fintech)的一部分。专家认为它可大幅降低监管成本,目前预计全球总计节约成本总额将高达约800亿美元。

该行业目前的着力点在于不断为银行和其他金融服务机构完善监管报告程序,比如增强客户识别(KYC),反洗钱和纳税申报的自动化和数字化。

Cook表示在监管技术领域的机器学习将会使得公司在监管下的运营更加高效,并且在某种程度上将会消除企业用来满足监管条件的“巨大成本”。

此外Cook还补充道,FCA正在研究机器学习的实际用途,以更好地利用语音转化文本的软件,社交媒体以及媒体分析。

寻求跨国合作

Cook表示,英国监管机构正在与全球监管机构和监管技术公司合作,来展示其工作,并向世界各地的其他机构学习。

他表示,“在过去的一年里我们很多的fintech研究都被应用于我们自己的监管技术领域,这鼓励和引导了其他国际监管机构。我们在全球范围内扩大对监管技术的讨论发挥了积极的作用。 同样,我们也试图了解其他地方发生了什么。”

香港大学去年十月发表的一份报告指出,监管技术行业是一个能够“实时”处理风险并提高合规效率的领域。

这篇报告指出,“这为金融服务行业和监管机构节省了巨大的成本。不过,regtech的潜力远不止如此——- 它有可能实现接近于实时和适度的监管制度,从而识别和解决风险,同时也提高监管合规的效率。”

The Financial Conduct Authority, an independent U.K. financial regulatory body, is looking into the possible use of artificial intelligence (AI) and machine-learning tools to enforce regulatory compliance.

Nick Cook, the FCA's head of data and information operations, said that the regulator was "still learning", and that feedback from a "call for input" from regulatory technology (regtech) firms was informing it about how to support the adoption of automated, digitized compliance.

"We are looking at the extent to which we can make parts of our handbook initially machine-readable and then fully machine-executable ... Effectively converting, probably initially our regulatory reporting rules, into truly unambiguous rules that machines can interpret and implement directly," he told an audience at London Fintech Week, a financial technology (fintech) conference, on Tuesday.

"The idea being that we can put out rules which are written manually in ways that can be fully and unambiguously interpreted by machines," he added.

Regtech (regulatory technology) is a subset of the financial technology (fintech) industry. Experts believe it could drastically reduce the cost of regulatory compliance, currently estimated to be around $80 billion globally.

The industry's current focus has been improving regulatory reporting procedures for banks and financial services firms, such as increased automation and digitization of Know Your Customer (KYC) rules, Anti-Money Laundering (AML) rules, and tax reporting.

Cook said machine-learning in regtech would enable firms to operate under regulations more efficiently, and in a way which would strip down "enormous costs" needed for companies to interpret regulatory requirements.

"There's a whole series of steps in making this happen, and we're working on it quite intently at the moment," he said.

Cook added that the FCA was looking into the practical use of machine-learning to make better use of speech-to-text software, social media and media analytics.

"We have a huge amount of programs and initiatives at the moment, and they range from better use of things like speech-to-text analytics tools within the FCA, through to how we make better use of social media analytics and media analytics, through to how we use financial processing tools to automate some of our processes."

The FCA would utilize "supervised machine-learning from these analytics," Cook said, and "unsupervised AI" to detect financial irregularities.

He added: "We're looking at these underlying technology approaches and regtech solutions to try and see how we can employ them internally to be more efficient and to better identify which solution (works) for the financial markets."

FCA working with regtech innovators and global regulators

Cook said that the U.K. regulator was working with global regulators as well as regtech companies to showcase its work and to learn from others around the world.

He said: "A lot of our fintech over the last year has been looking into regtech's application for ourselves as well, and encouraging and bringing other international regulators to the table. We take a very active role in trying to expand the regtech discussion globally. Equally though, we seek to learn what's going on elsewhere."

A report published last October by the University of Hong Kong identified the regtech industry as a field capable of addressing risk in "real time" and increasing the efficiency of compliance.

"Regtech to date has been focused on the digitization of manual reporting and compliance processes, for example in the context of know-your-customer requirements," it said.

"This offers tremendous cost savings to the financial services industry and regulators. However, the potential of regtech is far greater – it has the potential to enable a close to real time and proportionate regulatory regime that identifies and addresses risk while also facilitating far more efficient regulatory compliance."


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