世界银行-基于风险的人工智能监管：另一个值得拥有的工具或游戏规则改变者（英）

AI FOR RISK-BASED SUPERVISIONAnother “Nice to Have” Tool or a Game-ChangerMatei Dohotaru, Marin Prisacaru, Ji Ho Shin and Yasemin PaltaProsperity Insight SeriesFINANCEPublic Disclosure AuthorizedPublic Disclosure AuthorizedPublic Disclosure AuthorizedPublic Disclosure AuthorizedAI FOR RISK-BASED SUPERVISIONAnother “Nice to Have” Tool or a Game-ChangerJanuary 2025© 2025 International Bank for Reconstruction and Development / The World Bank1818 H Street NWWashington DC 20433Telephone: 202-473-1000Internet: www.worldbank.orgThis work is a product of the staff of The World Bank with external contributions. The findings, interpretations, and conclusions expressed in this work do not necessarily reflect the views of The World Bank, its Board of Executive Directors, or the governments they represent.The World Bank does not guarantee the accuracy, completeness, or currency of the data included in this work and does not assume responsibility for any errors, omissions, or discrepancies in the information, or liability with respect to the use of or failure to use the information, methods, processes, or conclusions set forth. The boundaries, colors, denominations, and other information shown on any map in this work do not imply any judgment on the part of The World Bank concerning the legal status of any territory or the endorsement or acceptance of such boundaries.Nothing herein shall constitute or be construed or considered to be a limitation upon or waiver of the privileges and immunities of The World Bank, all of which are specifically reserved.Rights and PermissionsThe material in this work is subject to copyright. Because The World Bank encourages dissemination of its knowledge, this work may be reproduced, in whole or in part, for noncommercial purposes as long as full attribution to this work is given.Any queries on rights and licenses, including subsidiary rights, should be addressed to World Bank Publications, The World Bank Group, 1818 H Street NW, Washington, DC 20433, USA; fax: 202-522-2625; e-mail: pubrights@worldbank.org.Cover image: Veronica Gadea, GCS, World Bank Group. Accessibility: Will Kemp, GCS, World Bank Group.ContentsAbbreviations viAcknowledgements viiExecutive summary 1Main challenges faced by the financial sector supervisors 3Empowering financial supervisors with AI capabilities 14Use case of AI in supporting activities of the supervisory authorities 22AI related risks and concerns 28AI implementation challenges 32AI adoption strategies 39Looking into the future 43Annex 1- ML & AI enterprise reference architecture 50AbbreviationsAcronymDescriptionAIArtificial IntelligenceASICAustralian Securities and Investments CommissionASXAustralian Securities ExchangeECBEuropean Central BankMAIThe Market Analysis and IntelligenceLLMsLarge Language ModelsAML/CFTAnti-Money Laundering and Combating the Financing of TerrorismFSAPFinancial Sector Assessment ProgramBCPBasel Core Principles for Effective Banking SupervisionIMFInternational Monetary F