Lu Lei, deputy governor of the People’s Bank of China, said new-generation artificial intelligence technologies such as large models and AI agents are becoming important tools for improving financial services, while also introducing new risks including algorithmic black boxes and model hallucinations. He made the remarks at the China-ASEAN Forum on Financial Cooperation and Development during a speech on deepening AI cooperation between China and ASEAN in the financial sector.
Lu said AI can learn and assess the underlying logic of human behavior, but humans still struggle to see through the internal decision-making process of these systems. He described this gap as an “asymmetry of understanding” between humans and artificial intelligence, and said it could create deeper challenges for the financial industry. His comments also pointed to the importance of security governance as AI adoption in finance expands. The remarks were reported by Financial Times.
Lu Lei, deputy governor of the People’s Bank of China, said at the China-ASEAN Forum on Financial Cooperation and Development that new-generation artificial intelligence technologies represented by large models and AI agents are both important tools for improving financial services and a source of new risks, including algorithmic black boxes and model hallucinations.
Speaking on the theme of deepening AI cooperation between China and ASEAN in the financial sector, Lu said AI can learn and assess the underlying logic of human behavior, while humans find it difficult to penetrate the internal decision-making process of artificial intelligence.
He said this “asymmetry of understanding” between humans and AI could bring deep-seated challenges to the financial industry and also highlights the importance of security governance.
The remarks were reported by Financial Times.
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