人工智能信任与治理：以责任赋能创新

October 2025 From concept to critical asset: The AI From being an aspirational concept half a decade ago to becoming a strategic imperative for enterprises across the marketspectrum – the evolution of artificial intelligence (AI) has been nothing short of remarkable. Initially limited to nicheacademic and translation tasks, it now plays a vital role within complex business operations, enhancing efficiencies andunlocking new revenue streams. For today’s executives – from the board to chief information security officers (CISOs) – AI Anatomy of AI risks andimplementation challenges: As AI becomes deeply woven into strategic decision-making and operational frameworks, the stakes of its deploymenthave never been higher. The widespread adoption of AI calls for vigilant oversight and a proactive understanding of where The table below offers an insightful lens into real-world misfires – moments when AI systems have stumbled, causingunexpected consequences. By exploring these incidents, leaders can anticipate risks, reinforce safeguards, and steer AI Executive evolution: How AI isreshaping the C-suite AI is fundamentally transforming the roles and responsibilities of C-suite executives across organisations. The integrationof AI capabilities – from data analytics to autonomous decision making – is redefining traditional functions, enabling more Below is a snapshot of AI’s impact across key C-suite roles, highlighting the transition from legacy processes to AI-enabledoperations: Bringing order to AI evolution andglobal governance overview As AI technologies rapidly evolve and integrate into global economies, establishing clear governance frameworks isessential to ensure their responsible and ethical use. This section highlights key regulatory and governance approaches How the world is governing AI United States of America Active Key provisions Implications Intent •Federal contractors must complywith AI risk managementprotocols.•Companies face increasing state- •Executive Order (Oct 2023):Federal agencies must assess AIrisks and ensure transparency.•AI Bill of Rights:Non-bindingframework emphasising dataprivacy, algorithmic fairness, anduser consent. •Promote innovation whileensuring safety and fairness.•Regulate federal use of AI. Active Singapore Implications Key provisions Intent •Singapore is positioning itself as aglobal AI governance hub.•Companies must align with •Promote responsible innovation.•Support small states in AI •Model AI GovernanceFramework for Generative AI(MGF-Gen AI):Defines nineprinciples (e.g. transparency,accountability) for responsibleGenAI use, backed by global techleaders.•Global AI Assurance Pilot:TestsGenAI systems for safety and NIST AI Risk Management Framework Key aspects covered Goal Benefits of adoption •Govern:Establish clear AI riskgovernance structures, policiesand roles.•Map:Identify and map the risksassociated with AI systems,including potential impacts onprivacy, fairness, accountability, •Understand and manage riskrelated to AI systems.•Ensure AI systems are fair,transparent, safe and secure, and •Adopted by leading industryplayers globally.•The NIST framework provides https://www.federalregister.gov/documents/2023/11/01/2023-24283/safe-secure-and-trustworthy-develop… -Executive Orderhttps://bidenwhitehouse.archives.gov/ostp/ai-bill-of-rights/-AI Bill of Rights RBI’s FREE–AI Committee Report In the dynamic landscape of financial services, the integration of AI brings immense opportunities as well as significantrisks. Recognising this dual-edged nature, the Reserve Bank of India (RBI) established theFramework for Responsibleand Ethical Enablement of Artificial Intelligence (FREE-AI) Committee.1This pioneering initiative aims to equip FREE-AI articulatesseven core principles, termed as the ‘Seven Sutras’, which are designed to ensure that AI innovationsarefair, reliable, compliant and sustainable. Complementing these are pragmatic, medium- and short-term The following infographic captures the core philosophy and actionable pillars of the RBI’s FREE-AI Committee Report – avital blueprint for fostering innovation that inspires confidence in India’s financial ecosystem. RBI’s recommendations for AI governance in FIs GovernanceI.Board-approved AI policyII.Data lifecycle governanceIII. AI system governanceframework Infrastructure I.Financial sector data infrastructureII.AI innovation sandboxIII. Incentives and funding supportIV. Indigenous financial sector specificAI models Policy Protection I.Consumer protectionII.Cybersecurity measuresIII. Red teamingIV. Business continuity plan (BCP)for AI systemsV.AI incident reporting + sectoral I.Adaptive and enabling policiesII.Enabling AI-based affirmativeactionIII. AI liability framework Capacity I.AI inventory within REs +sector-wide repositoryII.AI audit frameworkIII. Disclosures by REs I.Capacity building within regulatedentities (REs)II.Capacity building for regulatorsand supervisors Key r