印度银行业拥抱技术革命：人工智能、区块链改变金融格局

印度总理纳伦德拉·莫迪强调了人工智能和区块链技术对银行业的变革性影响，强调了网络安全在数字银行蓬勃发展时代的关键作用。莫迪敦促印度银行业考虑必要的结构性变革，包括新的融资和商业模式，以拥抱金融科技创新。他还强调了印度储备银行（RBI）在为该国银行体系制定未来路线图以支持其增长愿望方面的重要性。

Indian Banking Sector Embraces Technological Revolution: AI, Blockchain Transform Financial Landscape

印度银行业拥抱技术革命：人工智能、区块链改变金融格局

Introduction

介绍

In a landmark address at the 90th anniversary celebration of the Reserve Bank of India (RBI), Prime Minister Narendra Modi highlighted the transformative impact of emerging technologies on the banking sector. Artificial intelligence (AI) and blockchain, in particular, are revolutionizing banking practices, mandating a reassessment of cybersecurity and banking models.

在印度储备银行 (RBI) 90 周年庆典上发表的具有里程碑意义的讲话中，总理纳伦德拉·莫迪强调了新兴技术对银行业的变革性影响。尤其是人工智能（AI）和区块链正在彻底改变银行业务实践，要求重新评估网络安全和银行模式。

AI and Blockchain: Catalysts for Banking Innovation

人工智能和区块链：银行业创新的催化剂

Prime Minister Modi emphasized the pivotal role of AI and blockchain in reshaping the banking landscape. These technologies introduce novel ways of conducting banking operations, driving the need for innovative financing, operating, and business models.

莫迪总理强调了人工智能和区块链在重塑银行业格局中的关键作用。这些技术引入了开展银行业务的新颖方式，推动了对创新融资、运营和商业模式的需求。

Cybersecurity Imperative in the Digital Banking Era

数字银行时代网络安全势在必行

The proliferation of digital banking services has amplified the significance of cybersecurity. Modi stressed the responsibility of the RBI to plan and chart a trajectory for the Indian banking system that safeguards the nation's financial infrastructure.

数字银行服务的激增放大了网络安全的重要性。莫迪强调印度央行有责任规划和制定印度银行体系的发展轨迹，以保障国家的金融基础设施。

Modi's Vision for Developed India

莫迪对发达印度的愿景

Recognizing India's aspiration to become a developed nation, Modi emphasized the potential of AI and blockchain as key catalysts in achieving a $5 trillion economy by 2027-2028. To this end, the government has allocated over Rs 10,300 crore ($1.24 billion) for the IndiaAI Mission over the next five years.

莫迪认识到印度成为发达国家的愿望，强调人工智能和区块链作为关键催化剂的潜力，可在 2027-2028 年实现 5 万亿美元经济。为此，政府已在未来五年内为 IndiaAI 任务拨款超过 1030 亿卢比（12.4 亿美元）。

India's AI Regulatory Framework

印度的人工智能监管框架

In line with its commitment to fostering technological growth, India is set to release a draft regulatory framework for AI by July. This framework aims to harness the technology's economic potential while establishing safeguards against misuse.

根据其促进技术增长的承诺，印度将于 7 月发布人工智能监管框架草案。该框架旨在利用该技术的经济潜力，同时建立防止滥用的保障措施。

RBI's Technological Initiatives

印度储备银行的技术举措

The RBI has initiated groundwork for enhanced technology utilization in banking, exploring use cases for AI, digital ledgers, and other innovations. However, the deployment of these technologies also necessitates robust data protection and cybersecurity measures.

印度储备银行已启动加强银行业技术利用的基础工作，探索人工智能、数字账本和其他创新的用例。然而，这些技术的部署还需要强大的数据保护和网络安全措施。

Blockchain in Central Bank Digital Currency

央行数字货币中的区块链

The RBI has embraced blockchain technology in developing its central bank digital currency (CBDC) or e-rupee. The central bank is currently exploring additional functionalities for CBDC retail payments, such as programmability and offline capability.

印度储备银行在开发其中央银行数字货币（CBDC）或电子卢比时采用了区块链技术。央行目前正在探索 CBDC 零售支付的附加功能，例如可编程性和离线功能。

Enterprise Blockchain: Foundation of AI

企业区块链：人工智能的基础

To ensure the legal compliance and efficacy of AI, integrating it with an enterprise blockchain system is crucial. Enterprise blockchain ensures data quality, ownership, and immutability.

为了确保人工智能的合法合规性和有效性，将其与企业区块链系统集成至关重要。企业区块链确保数据质量、所有权和不变性。

AI and Blockchain: Shaping the Future of Banking

人工智能和区块链：塑造银行业的未来

As consumer preferences evolve, the banking and financial services industry must adapt its business models, processes, and products. AI and blockchain will continue to drive innovation, redefining the way banking is conducted in the future.

随着消费者偏好的变化，银行和金融服务业必须调整其业务模式、流程和产品。人工智能和区块链将继续推动创新，重新定义未来银行业的运作方式。