评级机构穆迪（Moody's）近日对金融机构争相部署人工智能的现象提出警告，指出这种技术采用浪潮正在增加银行对硅谷科技公司的依赖程度。[1] 根据英国财政部特别委员会2024年1月发布的报告，超过75%的伦敦金融城企业已将AI用于自动化任务和核心运营。[1] 穆迪指出，"多个金融机构对相对较少的基础AI模型和云计算提供商的依赖可能造成系统性风险"。[1]
AI的广泛应用也对金融业的就业前景构成挑战。[1] 穆迪预测，到2030年有20%的可能性AI能够胜任"资深中层员工"的工作职责。[1] 英国劳埃兹银行集团（Lloyds Banking Group）首席执行官查理·纳恩（Charlie Nunn）宣布了一项130亿英镑的AI战略投资计划，其中包括20亿英镑的成本削减。[1]
Rating agency Moody's has warned that financial institutions rushing to adopt artificial intelligence technology face growing risks of dependence on a small number of Silicon Valley tech firms.[1] More than 75 percent of companies in London's financial district are already using AI for automating tasks and core operations, according to a January 2024 report from the UK Treasury's select committee.[1]
The concentration of this reliance poses potential systemic threats to the financial system.[1] Moody's stated that "multiple financial institutions' dependence on a relatively small number of foundational AI models and cloud computing providers could create systemic risk," and warned that this vulnerability could lead to pricing control by dominant technology companies and widespread job losses across the sector.[1] The agency estimates there is a 20 percent probability by 2030 that AI will be capable of performing tasks currently handled by senior mid-level employees.[1]
Major financial institutions are nonetheless accelerating their AI investments. Lloyds Banking Group's Chief Executive Charlie Nunn announced a 13 billion pound AI strategy, which includes 2 billion pounds in cost reductions that will affect workforce levels.[1]