人工智能与金融的深度融合是基于人工智能作为人类活动的客体或工具这一前提的，唯有此才具有现实意义和价值。人工智能对金融的冲击和挑战，以及金融法对冲击与挑战的回应，即为以智能投顾为代表的人工智能与金融深度融合表现形式和以资管新规为首创的金融法律制度形式。资管新规对人工智能应用于金融领域的框架性规定具有开创性，也存在粗线条、缺少细化规则和技术标准等遗憾。基于安全价值和促进人工智能发展的目标锚定，需要建构优化完善区分化的信息保护制度、分类分层次的信息披露制度、动态调整的技术标准与安全标准、可追溯的责任分担机制等法律规制措施，以激励人工智能与金融深度融合，并增进人工智能带给人类的福利。
The deep integration of artificial intelligence and finance，as a research object，is based on the premise that artificial intelligence is an object or tool of human activities. Only upon this premise，can the research whereof have real significance and value. The impact and challenge of artificial intelligence on finance，and the response of financial law to the impact and challenge whereby，are represented by robot-advisor and the new regulations on asset management respectively. The new regulations on asset management are ground-breaking for forming the legal framework on the application of artificial intelligence in the financial field. However，there are also flaws about its roughness，lack of detailed rules and technical standards. Based on the purpose of promoting financial safety value and fostering the development of artificial intelligence，it is imperative to build and optimize the differentiated information protection system，information disclosure system，dynamically adjusted technical standards and safety standards，and the traceable responsibility sharing mechanism，so as to motivate the deep integration of artificial intelligence and finance，and to promote the welfare of human beings brought by artificial intelligence.
