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小瓶盖 · 2024年11月09日

关于AI模型

NO.PZ2024032003000003

问题如下:

Which of the following statements about AI in banking is correct?

选项:

A.

Banks' data monitoring processes for AI models inconsistent with traditional models.

B.

AI models in banking consume large data quantities, but excluding nontraditional data (e.g., rent, utility payments, bank account cash flow).

C.

Data risks similar in AI and traditional models.

D.

Banks can ignore the evolution of models that include proxies for prohibited factors.

解释:

A is incorrect. Banks' data monitoring processes for AI models consistent with traditional models.

B is incorrect. AI models in banking consume large data quantities, including nontraditional data (e.g., rent, utility payments, bank account cash flow).

D is incorrect. Banks need to ensure models do not evolve to include proxies for prohibited factors (e.g., race).

ACD都有疑惑,AI模型的监管,流程等不应该更加复杂严谨么

1 个答案

pzqa39 · 2024年11月09日

嗨,努力学习的PZer你好:


这道题在这里,基本都是文章中的观点原话。

银行的确在许多方面为AI模型制定了更加复杂和严谨的监控流程,但在数据监控的核心原则上,AI模型和传统模型保持一致性。这合规性、数据质量和风险管理在这里是通用的。

至于D选项,跟是否复杂严谨无关,而是说我们的模型不要用一些被禁止因子,比如我们按照种族进行分类并且得出结论,以这个维度来模拟是不可以的。

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虽然现在很辛苦,但努力过的感觉真的很好,加油!

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