| 陈奇桢.个人信用评分算法解释框架的构建[J].唐山学院学报,2025,38(5):88-95 |
| 个人信用评分算法解释框架的构建 |
| The Construction of an Interpretation Framework for Personal Credit Scoring Algorithm |
| 投稿时间：2025-02-22 |
| DOI：10.16160/j.cnki.tsxyxb.2025.05.012 |
| 中文关键词: 算法黑箱 算法解释权 个人信息保护法 信用评分 |
| 英文关键词: algorithmic black box the right to interpret algorithms Personal Information Protection Law credit scoring |
| 基金项目: |
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| 摘要点击次数: 524 |
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| 中文摘要: |
| 个人信用评分算法正在推动构建新型数字信用社会,并推进社会信用体系的完善。然而,由于个人信用评分算法的特殊性,其固有的不透明性等缺陷可能被进一步放大。在此背景下,算法解释在个人信用评分算法治理中至关重要,但与之相关的法律规制仍显不足,甚至存在空白。当前的算法解释框架存在解释标准不明、对算法运营商的制衡不足等问题。为实现个人信用评分算法解释框架场景化规制的效果,有必要建立具备关联性、客观性和可被理解性三要素的算法解释标准,以弥合不同解释路径之间的分歧。同时,应当结合具体应用场景,鼓励机器解释与人工解释的交叉协同应用。此外,还需要建立健全算法解释瑕疵责任制度,以确保算法运营者在解释出现错误时承担相应责任。 |
| 英文摘要: |
| Personal credit scoring algorithms are driving the construction of a new digital credit society and promoting the improvement of social credit system. However, due to the particularity of the algorithms, their inherent defects such as opacity may be further amplified. In this context, algorithmic explanation is crucial in the governance of personal credit scoring algorithms. However, relevant legal regulations are still insufficient or even non-existent. The current algorithmic explanation framework has problems such as unclear explanation standards and insufficient checks and balances on algorithm operators. To achieve the effect of scenario-based regulation in the explanatory framework of personal credit scoring algorithms, it is necessary to establish algorithmic explanation standards with three elements: relevance, objectivity and comprehensibility, so as to bridge the differences between different explanatory paths. At the same time, combined with specific application scenarios, the cross-collaborative application of machine explanation and manual explanation should be encouraged. In addition, it is necessary to establish and improve the liability system for algorithmic explanation defects to ensure that algorithm operators assume corresponding responsibilities when errors occur in explanations. |
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