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2024考研英语同源外刊7月:诈骗无孔不入

The head of the UK’s financial regulator is to warn that banks, investors and insurers will have to ramp up their spending to combat scammers using artificial intelligence to commit fraud. Nikhil Rathi, the chief executive of the Financial Conduct Authority (FCA), will say that there are risks of “cyber fraud, cyber-attacks and identity fraud increasing in scale and sophistication and effectiveness” as artificial intelligence (AI) becomes more widespread, in a speech in London on Wednesday.

英国金融监管机构负责人警告称，银行、投资者和保险机构将不得不加大支出，打击利用人工智能实施诈骗的骗子。英国金融市场行为监管局首席执行官尼克希尔•拉蒂将在周三在伦敦发表的演讲中谈到，随着人工智能的普及，“网络欺诈、网络攻击和身份欺诈的规模、复杂性和成功率都在增加”。

Rapid advances in the sophistication of generative AI by companies such as OpenAI and Midjourney have set companies scrambling to work out how to use the technology to improve productivity. The technology has also prompted concerns over the ease with which users can fake language, audio and video.

OpenAI和Midjourney等公司在生成人工智能技术上的快速进步，已促使企业争相研究如何利用该技术加大生产率。这项技术也引发了人们对用户轻松伪造语言、音频和视频的担忧。

The prime minister, Rishi Sunak, is hoping to make the UK a centre for the regulation of AI. The FCA’s work on AI is part of a broader effort to work out how to regulate the big tech sector as it increasingly offers financial products. Rathi will warn that AI technology would increase risks for financial firms in particular. Senior managers at those firms will be “ultimately accountable for the activities of the firm”, including decisions taken by AI, he is expected to say.

英国首相瑞希·苏纳克希望让英国成为人工智能监管的中心。随着大型科技行业越来越多地提供金融产品，英国金融市场行为监管局在人工智能方面的工作，属于对这个行业展开监管的更广泛的工作之一。拉蒂将提醒的是，人工智能技术尤其会增加金融公司的风险。他可能会表示，对公司各项活动(包括人工智能做出的决定)负责的人将是这些公司的管理人员。

There have already been instances of financial scams using AI. Rathi will cite a “deepfake” video of the prominent personal finances campaigner Martin Lewis supposedly selling speculative investments. Lewis said the video was “terrifying” and called for regulators to force big technology companies to take action to stop similar scams.

已经有利用人工智能进行金融诈骗的案例。拉蒂将引用一段“深度伪造”视频，视频中著名的私人理财领导者马丁•刘易斯在出售投机性投资产品。刘易斯表示，这段视频“令人恐惧”，并呼吁监管机构迫使大型科技公司采取行动制止类似的骗局。

Rathi believes AI will have benefits for the financial sector in improving financial models, increasing productivity in customer support and enhancing fraud and money-laundering detection. However, he will say that there are other potential risks for financial markets including higher volatility in price movements, driven by automated trading robots, or biased datasets which could prove even more harmful if relied upon by AI.

拉蒂认为，人工智能将在改善金融模型、客户服务方面的生产力以及加强欺诈和洗钱监测方面为金融部门带来好处。

 

单词：

1.launder

英/ ˈlɔːndə(r) /美/ ˈlɔːndər /

vt.洗涤;清洗;洗黑钱(把来路可疑的钱弄得貌似合法)

vi.洗涤;洗熨;耐洗

n.流水槽

2.volatility

英/ ˌvɒləˈtɪləti /美/ ˌvɑːləˈtɪləti /

n.易变，活泼;挥发性

3.automate

英/ ˈɔːtəmeɪt /美/ ˈɔːtəmeɪt /

v.使自动化

4.dataset

英/ ˈdeɪtəset; ˈdɑːtəset /美/ ˈdeɪtəset /

n.资料组

5.rely on

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