On October 30, 2025, at the 2025 Financial Street Forum Annual Conference, Zhou Xiangkun, the Deputy Director - General of the Technology Department at the People's Bank of China, pointed out that while the development of new - generation artificial intelligence (AI) technologies, exemplified by large - scale models, presents a wealth of opportunities, risks like algorithmic discrimination, the opacity of model "black boxes," and data misuse cannot be overlooked. In Western cultural and business contexts, any form of discrimination, whether in algorithms or other areas, is strictly regulated and widely condemned as it goes against principles of fairness and equal opportunity. The concept of a "black box" in models is also a well - recognized concern in the global tech and financial sectors, as it makes it difficult to understand how decisions are made, potentially leading to unforeseen consequences. Data abuse is a serious issue worldwide, as it can violate privacy laws and ethical standards. To tackle these challenges, the People's Bank of China has released the "Evaluation Specifications for AI Algorithm Applications in Finance." This document clearly outlines the security framework and regulatory requirements for AI - based financial applications. In the international financial regulatory landscape, having well - defined security and regulatory standards is crucial for maintaining market stability and protecting consumers. Looking ahead, the People's Bank of China is set to implement the "AI Plus" action plan. Moreover, it will speed up the release of policy documents pertaining to "AI + Finance" with the aim of driving the digital and intelligent transformation of the financial sector. This move aligns with the global trend of leveraging AI to enhance financial services, improve efficiency, and create new business models.