書面答覆 · 2023-08-02 · 屆國會 14
人工智慧對金融交易平臺影響
質詢關注AI在金融交易平臺中可能導致的"羊群效應"風險及利益衝突問題。政府回應稱，新加坡金融管理局（MAS）已實施技術中立的監管措施，推行FEAT原則保障公平與透明，認為當前AI模型應用尚處初期，風險較低，但將持續監控並與業界合作推動負責任使用AI。
關鍵要點
- • 監管要求防範利益衝突
- • 推行FEAT原則保障公平
- • AI交易風險目前較低
強調監管與持續監控AI風險
關注AI引發的利益衝突與羊群效應
推動負責任AI金融應用
“MAS requires regulated financial institutions to have controls in place to avoid or mitigate conflicts between their interests and those of their customers.”
參與人員 (2)
完整譯文（中文）
Hansard 原始記錄 · 2026-05-02
2 陳武明醫生詢問總理，新加坡金融管理局（MAS）是否評估過人工智慧（AI）對金融市場交易平臺的影響，具體包括：（i）由於採用相似訓練的AI模型或相似的資料聚合，導致個體行為者做出類似決策的“羊群效應”風險；（ii）當交易AI平臺系統同時考慮平臺自身利益和客戶利益時，尤其是在未向客戶披露的情況下，可能產生的利益衝突。
黃循財先生（代表總理） ：新加坡金融管理局要求受監管的金融機構（FI）建立控制機制，以避免或減輕其自身利益與客戶利益之間的衝突。這一做法是技術中立的，適用於所有受監管的金融機構。
早在2018年，MAS就推出了公平、公正、問責和透明（FEAT）原則，指導金融機構在其產品和服務中負責任地使用人工智慧和資料分析（AIDA）。這些原則要求金融機構確保採用AIDA不會導致客戶受到不公平對待。金融機構還必須向客戶提供透明的產品和服務披露，以便客戶做出明智的決策。
目前，因使用人工智慧（AI）模型而導致交易平臺出現羊群效應的風險被評估為較低，因為新加坡的金融機構在利用AI模型進行決策方面仍處於初期階段。儘管如此，MAS仍持續密切監控和評估AI在金融市場帶來的風險。近年來，MAS與業界合作，制定了一個框架，使金融機構能夠根據FEAT原則評估其AI系統。MAS將繼續與業界就金融領域負責任使用AI進行交流。
英文原文
SPRS Hansard · Fetched: 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.