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欧洲证券和市场管理局(ESMA)将在2027年优先加强对金融机构的AI和代币化监管

2026-09-24 00:10:56
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European Securities and Markets Authority: Make AI and tokenization a regulatory focus starting from 2027

The European Securities and Markets Authority (ESMA) announced that starting from 2027, artificial intelligence (AI) and tokenization will become a core area of regulatory attention within the EU. This priority aims to respond to the rapid integration of digital innovation in financial services and protect investor interests in the evolving financial landscape.

Regulatory strategy for digital transformation

Regulators in EU member states will actively identify areas where tokenization applications are becoming increasingly popular among financial institutions. These authorities will document how companies currently use or plan to adopt AI and tokenization technologies, particularly in terms of products and business processes that directly affect investors.

ESMA pointed out that the core companies most affected by these technologies will be the subject of preliminary compliance inspections. This targeted approach is designed to help regulators accumulate more specialized knowledge and establish coordinated regulatory practices as the industry shifts towards higher levels of digital innovation.

ESMA publishes the Alliance Strategic Oversight Priorities (USSPs) every three years, highlighting up to two emerging cross-border risk or opportunity areas that require enhanced review and regulatory cooperation among national agencies. AI and tokenization were selected as joint strategic priorities to respond to dramatic changes in the way financial businesses operate and interact with investors.

Key Risks and Regulatory Focus Areas

在其最新的事实说明文件中,ESMA指出了因增加使用AI和代币化产品而产生的几类风险。这些风险包括出现偏见性或误导性AI输出、投资者难以理解的产品,以及对少数第三方技术提供商日益增长的依赖。

ESMA强调,需要监测这些风险并建立监管专业知识,指出随着更多企业在面向投资者的产品和服务中拥抱AI和代币化,采取协调一致的方法至关重要。

监管机构还将评估企业如何就新兴技术的使用与投资者进行沟通。这包括审查关于AI或代币化的披露信息,以及分享行业案例,展示创新如何带来更好的结果、减少偏见或提高产品结果的可靠性。

监管机构表示,其目标不仅是识别和缓解风险,还要确保建设性的创新,最终使金融业和公众投资者受益。

对加密货币趋势和模因币的关注扩大

作为监控现代金融创新的一部分,ESMA最近警告称,加密资产与传统金融之间联系的扩大可能会放大传统机构的系统性风险。这一发展加剧了人们对去中心化资产和代币化产品可能如何改变资本市场稳定性和结构的关注。

对市场动态的分析变得日益重要,特别是在像模因币这样迅速变化的领域。在这一板块中,网络病毒式趋势可以在几天内演变成数百万的交易量。数据显示,涉及“Niu Lai”的一笔交易将99美元转化为约37万美元——突显了模因币市场独特的激烈节奏和高波动性。在此领域,仔细跟踪投资者行为、时机选择和代币选择至关重要。

ESMA加强对这些快速创新创新的监管力度,反映了欧盟范围内日益增长的共识,即正在发生深刻的转变,且随着传统金融与数字金融界限的不断模糊,需要强有力的投资者保护措施。

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