Abstract: The main application areas of artificial intelligence in the banking system are knowledge management, customer service, marketing, identity verification, risk management, etc.. The application of artificial intelligence can help to realize the intelligentization and virtualization of banking, and improve the efficiency of banking operation and enhance the user experience. But at the same time, we can not ignore the hidden dangers of information security brought by the introduction of artificial intelligence technology, and we must pay attention to it and put forward corresponding solutions. By investigating the application status of artificial intelligence technology in the banking system, the security problems in its development are analyzed. Based on this, the future development direction is pointed out, and the countermeasures to deal with the security risks are proposed.

Key words: Artificial intelligence, banking system, information security, risk, Finance

摘要： 人工智能在银行系统的主要应用领域包括：知识管理、客户服务、市场营销、身份验证、风险管理等.人工智能的应用可以助力银行业智能化和虚拟化的实现，提升银行业务的运行效率，增强用户体验.但与此同时，也不能忽视随着人工智能技术引入带来的信息安全风险隐患，必须予以关注并提出解决思路. 通过调研人工智能技术在银行系统中的应用现状，对其发展中面临的安全问题作了分析，并基于此阐明未来发展方向、提出应对安全风险的对策.

关键词: 人工智能, 银行系统, 信息安全, 风险, 金融