{"title":"算法，信用评分，以及欧盟关于人工智能法案和消费者信贷指令的新提案","authors":"G. Spindler","doi":"10.1080/17521440.2023.2168940","DOIUrl":null,"url":null,"abstract":"ABSTRACT Credit scoring is one of the main applications of Artificial Intelligence technology in the financial world. However, there are scarcely any regulations which deal with AI. The new proposal of an AI Act of the EU Commission may change this landscape in a significant way. The article deals with the impact of the proposed AI Act regarding credit scoring, considering also existing banking regulation and its overlaps with the proposed AI Act. Finally, the new proposal of a Consumer Credit Directive will be also dealt showing some frictions between the AI Act and the proposed Consumer Credit Directive.","PeriodicalId":43241,"journal":{"name":"Law and Financial Markets Review","volume":"15 1","pages":"239 - 261"},"PeriodicalIF":0.0000,"publicationDate":"2021-10-02","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":"0","resultStr":"{\"title\":\"Algorithms, credit scoring, and the new proposals of the EU for an AI Act and on a Consumer Credit Directive\",\"authors\":\"G. Spindler\",\"doi\":\"10.1080/17521440.2023.2168940\",\"DOIUrl\":null,\"url\":null,\"abstract\":\"ABSTRACT Credit scoring is one of the main applications of Artificial Intelligence technology in the financial world. However, there are scarcely any regulations which deal with AI. The new proposal of an AI Act of the EU Commission may change this landscape in a significant way. The article deals with the impact of the proposed AI Act regarding credit scoring, considering also existing banking regulation and its overlaps with the proposed AI Act. Finally, the new proposal of a Consumer Credit Directive will be also dealt showing some frictions between the AI Act and the proposed Consumer Credit Directive.\",\"PeriodicalId\":43241,\"journal\":{\"name\":\"Law and Financial Markets Review\",\"volume\":\"15 1\",\"pages\":\"239 - 261\"},\"PeriodicalIF\":0.0000,\"publicationDate\":\"2021-10-02\",\"publicationTypes\":\"Journal Article\",\"fieldsOfStudy\":null,\"isOpenAccess\":false,\"openAccessPdf\":\"\",\"citationCount\":\"0\",\"resultStr\":null,\"platform\":\"Semanticscholar\",\"paperid\":null,\"PeriodicalName\":\"Law and Financial Markets Review\",\"FirstCategoryId\":\"1085\",\"ListUrlMain\":\"https://doi.org/10.1080/17521440.2023.2168940\",\"RegionNum\":0,\"RegionCategory\":null,\"ArticlePicture\":[],\"TitleCN\":null,\"AbstractTextCN\":null,\"PMCID\":null,\"EPubDate\":\"\",\"PubModel\":\"\",\"JCR\":\"Q2\",\"JCRName\":\"Social Sciences\",\"Score\":null,\"Total\":0}","platform":"Semanticscholar","paperid":null,"PeriodicalName":"Law and Financial Markets Review","FirstCategoryId":"1085","ListUrlMain":"https://doi.org/10.1080/17521440.2023.2168940","RegionNum":0,"RegionCategory":null,"ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"","PubModel":"","JCR":"Q2","JCRName":"Social Sciences","Score":null,"Total":0}
Algorithms, credit scoring, and the new proposals of the EU for an AI Act and on a Consumer Credit Directive
ABSTRACT Credit scoring is one of the main applications of Artificial Intelligence technology in the financial world. However, there are scarcely any regulations which deal with AI. The new proposal of an AI Act of the EU Commission may change this landscape in a significant way. The article deals with the impact of the proposed AI Act regarding credit scoring, considering also existing banking regulation and its overlaps with the proposed AI Act. Finally, the new proposal of a Consumer Credit Directive will be also dealt showing some frictions between the AI Act and the proposed Consumer Credit Directive.
期刊介绍：
The Law and Financial Markets Review is a new, independent, English language journal devoted to providing high quality information, comment and analysis for lawyers specialising in banking and financial market issues and to others with interests in legal and regulatory developments affecting the financial markets. Published four times a year LFMR contains articles written by leading experts providing a forum for practical guidance on, as well as reflective and topical analysis of, all major jurisdictions, with a particular focus on the interaction between the law and market practice and behaviour.
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