人工智慧正在迅速改变个人投资领域，全球的零售储蓄者正向聊天机器人寻求投资策略和理财建议，促使英国金融行为监管局发布《米尔斯评论》以评估相关风险。监管机构在应对这项新兴技术时，应在减轻风险与保留大型语言模型带来的效益之间取得平衡，避免过度监管。

生成式和代理式人工智慧工具的出现，模糊了受监管的「正式建议」与一般「通用指引」之间的法律界线。此外，责任归属也是一大问题，因为人工智慧仅是资讯整合者，无法提供与传统财务顾问相同的法律责任保护，而许多零售金融客户并未意识到这一点。

为防止消费者面临财务风险，监管机构可采取要求人工智慧提供免责声明和遵守广告披露规范等适度干预措施，并避免过度监管以免推高咨询成本并导致「建议落差」。同时，普及个人理财与人工智慧工具的教育，才是保护大众免受不良财务建议侵害的最佳防御手段。

Artificial intelligence is rapidly transforming the personal investment landscape, with retail savers worldwide turning to chatbots for investment strategies and

financial advice, prompting the UK Financial Conduct Authority to publish the Mills Review to highlight emerging risks. Regulators should

To protect consumers from financial misfortune, regulators should implement targeted interventions such as requiring disclaimers and compliance with advertising disclosures, while avoiding over-regulation that could drive up advice costs and create an "advice gap". Ultimately, widespread education on personal finance and the limitations of AI tools remains the most effective defense against harmful advice.