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原文摘要

Financial Large Language Models (LLMs) exhibit strong domain expertise but remain vulnerable to financially harmful prompts. To systematically assess this vulnerability, we introduce FinHarmBench, a benchmark designed to evaluate financially harmful and confusable benign prompts. Our analysis reveals a concerning result that financial LLMs can be less robust than general-purpose models, suggesting that domain adaptation alone does not guarantee financial safety alignment. To address this issue, we propose Financial Refusal Steering Distillation (FiRSD), an unsupervised training framework that strengthens financial-domain safety by learning and distilling a financial refusal direction at the representation level. FiRSD enhances refusal behavior without requiring annotated refusal responses. Experiments show that FiRSD substantially improves safety while largely preserving task capability. These results highlight the importance of domain-aware safety alignment for high-stakes financial applications.