Research on the Application of Generative Artificial Intelligence in the Field of Credit Reporting:Prospects,Risks and Countermeasure
With strong self-learning ability,correlation analysis ability and result output ability,generative artificial intelligence has the application potential of improving information input efficiency,improving the accuracy of credit assessment,generating and interpreting credit reports,and predicting risks in the field of credit reporting,but it also faces multiple challenges.Combined with the technical principle and the characteristics of the credit reporting field,the potential risks and vulnerabilities of applying generative artificial intelligence can be analyzed from three aspects:the quality of the output results,the security of data leakage and the compliance of information processing.In order to balance innovative development and risk prevention,we should advocate goal-oriented framework legislation at the level of the normative system,establish basic principles based on people,advocate collaborative governance and multiple participation at the level of the governance body,and advocate inclusive and prudent regulatory stance and classification and classification supervision at the level of supervision and management.
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