This newspaper’s comprehensive foreign media reports stated on the official website of the Stanford University Graduate School of Business in the United States on October 6，Artificial intelligence can be used to analyze massive data、A powerful tool for discovering correlations。However，Different from human problem-solving process，Many artificial intelligence bet365 score cannot give solution steps。This is called a black box model，That is, people can see the input and output content，But there is no way to know the intermediate process。

Laura Blattner, assistant professor of finance at Stanford University Graduate School of Business said，Many machine learning bet365 score suffer from the black box problem。Complexity of AI bet365 score may trigger legal action、Ethical issues。If these black box bet365 score are used for lending、Insurance、High-stakes decisions in health care or justice systems，There will be potential threats。

From the perspective of lending，Credit scores and lending decisions are often based on dozens of variables。An AI model capable of looking at over 600 variables，It is possible to measure risk more accurately，Beneficial to both borrowers and lenders。Theoretically，Artificial intelligence can not only make the loan evaluation bet365 score more accurate，And fairer。However，U.S. lenders are in no rush to adopt these tools，Because if the loan applicant evaluation bet365 score cannot be explained，It will violate the fair lending rules。These lending institutions are unwilling to bear the risks involved，Especially in sensitive loan areas。

There are currently some methods to analyze the content output by the black box，Reverse the generation process。Stanford University Graduate School of Business Operations、Jann Spiess, assistant professor of information and technology, recently worked with nonprofits to evaluate several tools，These tools attempt to explain how credit review bet365 score predict applicants。Brattner said，The more complex the black box model is, the more accurate it is in predicting defaults。Of course，Even if AI is recognized by regulators and adopted by lenders，Users must also continually test and evaluate bet365 score，To make sure it’s working。

(Wang Junmei/Compiled)