20.500.12556/DKUM-89924-75118e6b-8868-544c-9fd2-a32c088a9551 Umetna inteligenca in finančni nadzor v evrskem območju in Združenih državah Amerike Artificial intelligence and financial supervision in the euro area and the United States Umetna inteligenca ima potencial za izboljšanje učinkovitosti in inovacij v finančnem sektorju, vendar prinaša tudi probleme. Kompleksnost in občutljivost algoritmov umetne inteligence lahko vodita v nenadne šoke in destabilizacijo finančnih sistemov. Regulatorji se soočajo s težavami pri nadzoru umetne inteligence zaradi kompleksnosti delovanja in pomanjkanja transparentnosti, kar otežuje pravočasno prepoznavanje tveganj. Umetna inteligenca pa se lahko uporabi tudi kot rešitev, čeprav ne Evropska centralna banka ne ameriške Zvezne rezerve ne uporabljajo umetne inteligence pri svojih osnovnih dejavnostih, pa obe centralni banke raziskujeta potencialno uporabo umetne inteligence pri svojem delovanju. Eden možnih primerov uporabe umetne inteligence pri finančnem nadzoru je uporaba pri obvladovanju sistemskega tveganja, kjer jo lahko uporabljamo na dveh ravneh. Na mikro ravni se umetna inteligenca lahko uporablja za mikrobonitetni nadzor in notranje upravljanje tveganj, kar omogoča bolj natančno analizo in odločanje. Nasprotno pa je uporaba umetne inteligence pri makrobonitetnem nadzoru, ki se osredotoča na stabilnost celotnega finančnega sistema, bolj zapletena zaradi pomanjkanja podatkov in kompleksnosti finančnih trgov. Za uspešno integracijo umetne inteligence v regulativne okvire so potrebni jasni pravilniki, etične smernice ter sodelovanje med regulatorji, industrijo in akademsko skupnostjo. Nadaljnje raziskave in razvoj so ključni za izboljšanje razumevanja in obvladovanja tveganj, povezanih z uporabo umetne inteligence v finančnem sektorju. Artificial intelligence has the potential to enhance efficiency and innovation in the financial sector, but it also presents challenges. The complexity and sensitivity of artificial intelligence algorithms can lead to sudden shocks and destabilization of financial systems. Regulators face difficulties in overseeing artificial intelligence due to its operational complexity and lack of transparency, which complicates timely risk identification. However, artificial intelligence can also be utilized as a solution, although neither the European Central Bank nor the Federal Reserves currently employs artificial intelligence in their core activities, both central banks are exploring the potential use of artificial intelligence in their operations. One potential application of artificial intelligence in financial oversight is its use in managing systemic risk, where it can be applied at two levels. Artificial intelligence can be used for micro-prudential supervision and internal risk management at the micro level, enabling more precise analysis and decision-making. Conversely, the use of artificial intelligence in macroprudential supervision, which focus on the stability of the entire financial system, is more complex due to data scarcity and the intricacies of financial markets. Clear policies, ethical guidelines, and collaboration among regulators, industry, and academia are essential for the successful integration of artificial intelligence into regulatory frameworks. Further research and development are crucial for improving understanding and managing the risks associated with the use of artificial intelligence in the financial sector. umetna inteligenca sistemsko tveganje finančni nadzor finančništvo centralno bančništvo artificial intelligence systemic risk financial supervision finance central banking true true false D. Zupanc Slovenski jezik Angleški jezik Diplomsko delo/naloga 2024-08-19 12:09:23 2024-09-09 11:02:00 2024-09-10 12:33:54 0000-00-00 00:00:00 2024 0 Maribor 0 0000-00-00 NiDoloceno NiDoloceno NiDoloceno 0000-00-00 0000-00-00 0000-00-00 336:004.8 206790915 UN_Zupanc_Darko_2024.pdf UN_Zupanc_Darko_2024.pdf 1 A3C8D9C03DDB666B26FF67F36D54FCC5 26fc2498f98271ba1625e96eec9a4492d8d41e4472f57024d2514dfbdad37aae 0a531214-6772-11ef-9bc4-00155d000105 https://dk.um.si/Dokument.php?lang=slv&id=183801 Ekonomsko-poslovna fakulteta 0 0 0