Our comprehensive foreign media reported that the official website of Stanford University Business School official website said on October 6，Artificial intelligence can become a massive data、Finding powerful tools found。But，Different processes from human solving problems，Many artificial intelligence models cannot give solution bet365 live casino games 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 Financial Assistant at Stanford University Business School, said，Many machine learning models have black box problems。The complexity of the artificial intelligence model may cause law、Ethics and other questions。If these black box models are used for borrowing、Insurance、High -risk decisions in medical care or judicial system，There will be potential threats。

From the perspective Bet365 lotto review of lending，Credit scores and loan decisions are usually based on dozens of variables。An artificial intelligence model that can view more than 600 variables，It is possible to measure risk more accurately，Both parties to both borrowing。Theoretically speaking，Artificial intelligence can not only make the lending evaluation process more accurate，And more fair。But，The US loan institution is not in a hurry to adopt these tools，Because the evaluation process of the loan applicant cannot be explained，It will violate fair loan rules。These Bet365 lotto review loan institutions are unwilling to bear the risk brought by it，Especially in the sensitive loan field。

There are currently some ways to analyze the content of the black box output，Pushing its generic process。Operation of Business School of Stanford University、Information and Technical Assistant Professor Jann Spiess recently cooperated with non -profit institutions to evaluate several tools，These tools attempts to explain the prediction of the applicant for the applicant。Blatina said，The more complicated the black box model, the more accurate the prediction bet365 best casino games of breach of contract。Of course，Even if artificial intelligence is recognized by the regulatory agency and is adopted by the loan party，Users must also continue to test and evaluate the model，to ensure its normal work。

(Wang Junmei/Compilation)