书面答复 · 2023-08-02 · 第 14 届国会
人工智能对金融交易平台影响
Impact of Artificial Intelligence on Trading Platforms in Financial Markets
质询关注AI在金融交易平台中可能导致的"羊群效应"风险及利益冲突问题。政府回应称，新加坡金融管理局（MAS）已实施技术中立的监管措施，推行FEAT原则保障公平与透明，认为当前AI模型应用尚处初期，风险较低，但将持续监控并与业界合作推动负责任使用AI。
关键要点
- • 监管要求防范利益冲突
- • 推行FEAT原则保障公平
- • AI交易风险目前较低
强调监管与持续监控AI风险
关注AI引发的利益冲突与羊群效应
推动负责任AI金融应用
"MAS requires regulated financial institutions to have controls in place to avoid or mitigate conflicts between their interests and those of their customers."
参与人员（2）
完整译文（中文）
Hansard 英文原文译文 · 翻译日期：2026-05-02
2 陈武明医生询问总理，新加坡金融管理局（MAS）是否评估过人工智能（AI）对金融市场交易平台的影响，具体包括：（i）由于采用相似训练的AI模型或相似的数据聚合，导致个体行为者做出类似决策的“羊群效应”风险；（ii）当交易AI平台系统同时考虑平台自身利益和客户利益时，尤其是在未向客户披露的情况下，可能产生的利益冲突。
黄循财先生（代表总理） ：新加坡金融管理局要求受监管的金融机构（FI）建立控制机制，以避免或减轻其自身利益与客户利益之间的冲突。这一做法是技术中立的，适用于所有受监管的金融机构。
早在2018年，MAS就推出了公平、公正、问责和透明（FEAT）原则，指导金融机构在其产品和服务中负责任地使用人工智能和数据分析（AIDA）。这些原则要求金融机构确保采用AIDA不会导致客户受到不公平对待。金融机构还必须向客户提供透明的产品和服务披露，以便客户做出明智的决策。
目前，因使用人工智能（AI）模型而导致交易平台出现羊群效应的风险被评估为较低，因为新加坡的金融机构在利用AI模型进行决策方面仍处于初期阶段。尽管如此，MAS仍持续密切监控和评估AI在金融市场带来的风险。近年来，MAS与业界合作，制定了一个框架，使金融机构能够根据FEAT原则评估其AI系统。MAS将继续与业界就金融领域负责任使用AI进行交流。
英文原文
SPRS Hansard 原始记录 · 抓取日期：2026-05-02
2 Dr Tan Wu Meng asked the Prime Minister whether MAS has assessed the impact of artificial intelligence (AI) on trading platforms in financial markets for (i) the risk of "herding" where individual actors make similar decisions due to similar trained AI models or similar data aggregates and (ii) the potential for conflict of interest when a trading AI platform system is simultaneously considering both the platform's interest and the customers' interests, especially if without disclosure to customers.
Mr Lawrence Wong (for the Prime Minister) : The Monetary Authority of Singapore (MAS) requires regulated financial institutions (FIs) to have controls in place to avoid or mitigate conflicts between their interests and those of their customers. This approach is technology-neutral and is applied across all regulated FIs .
As early as 2018, MAS introduced the Fairness, Ethics, Accountability and Transparency ( FEAT) Principles to guide FIs’ responsible use of artificial intelligence and data analytics (AIDA) in their products and services. Amongst other things, these principles require FIs to ensure that AIDA adoption does not result in customers being treated less fairly than the business. FIs are also required to provide customers transparent disclosures on the FIs' products and services, to facilitate informed decision-making.
The risk of herding in trading platforms arising from the use of a rtificial intelligence ( AI) models is currently assessed to be low as FIs in Singapore are still at a nascent stage of using AI models for decision-making. Nevertheless, MAS continues to carefully monitor and assess the risks brought about by AI in financial markets. In recent years, MAS has worked with the industry to develop a framework which enables FIs to evaluate their AI systems against the FEAT Principles. MAS will continue to engage the industry on the responsible use of AI in finance.