On October 21, during the Fintech Conference at the 2026 Annual Meeting of the Financial Street Forum, which was held recently, the event focused on the theme "Smart-Driven Integration and Symbiosis—Fintech in the New Era of the Smart Economy." Xiao Yuanqi, Deputy Director of the National Financial Regulatory Administration, emphasized that "AI + Finance" is not simply a technological layering (or combination of technologies), but rather a holistic transformation that spans strategy, operations, business models, organizational processes, and corporate culture. Financial institutions must bolster their independent research and development efforts, anchoring their strategies on the three pillars of data, models, and engineering capabilities. Simultaneously, they should foster collaboration between the financial industry and other sectors to cultivate a thriving ecosystem, enhance cooperation among peers to share successful outcomes, and deepen international partnerships to collectively drive forward governance practices.

The deployment of AI within the financial sector necessitates the establishment of a robust governance framework. This framework is crucial to ensure that human decision-makers remain at the heart of the process, guaranteeing the ethical and beneficial use of intelligent technologies, and safeguarding data network security as well as business continuity. Furthermore, it is imperative to concurrently advance the digital and intelligent transformation of regulatory practices, seamlessly integrating AI governance into the full lifecycle management process, and thereby ensuring the safe and manageable application of AI technologies.