国际清算银行-从基础开始：盘点监督中的人工智能应用（英）

PUBLICATION 16.3CM | [Document subtitle] FSI Briefs No 26 Starting with the basics: a stocktake of gen AI applications in supervision Jermy Prenio June 2025 FSI Briefs are written by staff members of the Financial Stability Institute (FSI) of the Bank for International Settlements (BIS), sometimes in cooperation with other experts. They are short notes on regulatory and supervisory subjects of topical interest and are technical in character. The views expressed in them are those of their authors and not necessarily the views of the BIS or the Basel-based standard setting bodies. Authorised by the Chair of the FSI, Fernando Restoy. This publication is available on the BIS website (www.bis.org). To contact the BIS Media and Public Relations team, please email media@bis.org. You can sign up for email alerts at www.bis.org/emailalerts.htm. © Bank for International Settlements 2025. All rights reserved. Brief excerpts may be reproduced or translated provided the source is stated. ISSN 2708-1117 (online) ISBN 978-92-9259-861-7 (online) Starting with the basics: a stocktake of gen AI applications in supervision 1 Starting with the basics: a stocktake of gen AI applications in supervision1 Highlights • Many financial authorities are already experimenting with, developing or using generative artificial intelligence (gen AI) applications for supervision purposes. • Financial authorities seek to leverage the new technology to find information more efficiently, but their gen AI activities are hampered by outdated information technology (IT) infrastructure, data security concerns and a lack of technical skills. • Most of the reported gen AI applications in supervision can be grouped into three categories: (i) basic document processing; (ii) knowledge management; and (iii) document review. Most “in use” applications fall into the first category; development work is spread out across the three categories; and experiments are concentrated in the second and third categories. • The main challenges identified in integrating gen AI applications in supervision are user acceptance and inaccuracies in information provided. These challenges will likely intensify as financial authorities move to more complex gen AI use cases. 1. Introduction The introduction of a generative artificial intelligence (gen AI) application in 2022 ushered in a flurry of exploration and experimentation to harness the potential benefits of the technology in the financial sector. This has been aided by the accessibility of the new technology, with cloud service providers expanding their offerings to include gen AI applications. While financial institutions’ gen AI use cases focus on enhancing operational efficiency, they are continuously exploring other potential use cases and are reportedly investing heavily in AI in general.2 This exploration and experimentation around the potential benefits of gen AI are not confined to financial institutions. The developme