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http://tdr.lib.ntu.edu.tw/jspui/handle/123456789/96502Full metadata record
| ???org.dspace.app.webui.jsptag.ItemTag.dcfield??? | Value | Language |
|---|---|---|
| dc.contributor.advisor | 楊岳平 | zh_TW |
| dc.contributor.advisor | Yueh-Ping Yang | en |
| dc.contributor.author | 吳媚烜 | zh_TW |
| dc.contributor.author | Mei-Hsuan Wu | en |
| dc.date.accessioned | 2025-02-19T16:15:39Z | - |
| dc.date.available | 2025-02-20 | - |
| dc.date.copyright | 2025-02-19 | - |
| dc.date.issued | 2025 | - |
| dc.date.submitted | 2025-02-03 | - |
| dc.identifier.citation | 壹、中文文獻
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| dc.identifier.uri | http://tdr.lib.ntu.edu.tw/jspui/handle/123456789/96502 | - |
| dc.description.abstract | 隨著人工智慧技術的發展，其於各行業中的應用日益普及，金融機構也不例外地在金融服務中開始運用人工智慧技術，藉此提升效率以提供更完善的金融服務。但於此同時，人工智慧技術的運用也帶來了公平性的隱憂。
本文以金融機構運用人工智慧技術於信貸服務中引發的歧視問題為討論主軸，從目前實務上發生的案例，發現人工智慧信貸不同於傳統信貸的歧視風險態樣，進而梳理人工智慧信貸歧視的風險形成與原因，並指出我國現行金融反歧視法存在規範空白的問題。本文進而透過比較法研究討論實務和學說如何在現行金融歧視法規範的架構下解決人工智慧信貸歧視問題，並以美國公平信貸相關規範及學者研究文獻為主要參考對象，觀察傳統公平信貸法制實踐於人工智慧信貸時產生的公平性問題與解釋挑戰。 透過比較法的研究，本文歸納我國法制針對人工智慧信貸應用可考慮的監理路徑，並以《金融業運用人工智慧（AI）指引》及《金融機構運用人工智慧技術作業規範》的規範內容為主，提出我國金融監理面對人工智慧信貸歧視問題時可考慮的具體規範建議。 | zh_TW |
| dc.description.abstract | With the development of Artificial Intelligence (AI) technology, its application in various industries is becoming more and more popular. Financial institutions are no exception, which have started to utilize AI technology in financial services to enhance efficiency and provide better financial services. However, at the same time, the use of AI technology in financial services also brings about the hidden problem of fairness.
This thesis focuses on the use of AI technology in credit services by financial institutions. It identifies the different patterns of discrimination of AI credit services from that of traditional credit services from the cases occurring in practice, explores the causes of AI credit discrimination, and specifies the gaps in the existing financial anti-discrimination laws in Taiwan. Furthermore, the thesis adopts the comparative legal study to discuss how the practice and theory can solve the problem of AI credit discrimination under the existing financial anti-discrimination legal framework in other countries. It mainly focuses on the legal reforms in the U.S. related to fair credit and scholars' literatures to observe the interpretation challenges related to the fairness problem when applying the traditional fair credit laws to AI credit services. This thesis finally discusses how the current legal system can be applied in the context Taiwan's law, specifically the Guidelines on the Use of Artificial Intelligence (AI) in the Financial Sector and the Code of Practice on the Use of Artificial Intelligence by Financial Institutions. It proposes specific regulatory suggestions to address the problem of discrimination in the use of AI in credit services. | en |
| dc.description.provenance | Submitted by admin ntu (admin@lib.ntu.edu.tw) on 2025-02-19T16:15:39Z No. of bitstreams: 0 | en |
| dc.description.provenance | Made available in DSpace on 2025-02-19T16:15:39Z (GMT). No. of bitstreams: 0 | en |
| dc.description.tableofcontents | 口試委員會審定書 i
謝辭 ii 摘要 iv ABSTRACT v 目次 vi 圖次 viii 第一章 緒論 1 第一節 研究動機 1 第二節 研究對象與範圍 4 第三節 研究方法與限制 5 第一項 文獻回顧法 5 第二項 比較法研究 5 第四節 研究架構 6 第二章 人工智慧信貸的歧視問題 8 第一節 人工智慧歧視 8 第一項 人工智慧與機器學習概述 8 第二項 機器學習的不透明性 9 第三項 機器學習的公平性疑慮 12 第二節 人工智慧信貸歧視 13 第一項 人工智慧信貸歧視的案例 13 第二項 人工智慧信貸歧視的原因分類 21 第三項 反歧視與公平性要求 24 第三節 我國法下的公平信貸規範與人工智慧信貸歧視 30 第一項 公平信貸與金融反歧視規範 30 第二項 金融業應用人工智慧規範 31 第四節 小結 34 第三章 公平信貸規範的理論與法制 36 第一節 公平信貸規範之規範目的 36 第一項 契約自由與公平信貸 36 第二項 傳統信貸審核與公平信貸 42 第二節 公平信貸與反歧視規範的內容 46 第一項 反歧視規範的立法模式 47 第二項 反歧視規範下的歧視態樣 49 第三項 歧視的例外正當化事由 52 第三節 比較法下的公平信貸 53 第一項 公平信貸規範 53 第二項 歧視認定之舉證責任、動機與因果關係 57 第四節 小結 59 第四章 人工智慧信貸歧視之解決之道 61 第一節 人工智慧信貸的監管方式 61 第一項 法規範 62 第二項 技術監管 63 第三項 可解釋人工智慧與人力介入 64 第二節 公平信貸規範的新挑戰 69 第一項 民權法第七章、ECOA與Regulation B 69 第二項 比較法上的人工智慧信貸歧視監管發展 72 第三節 較小歧視替代方案與可解釋人工智慧的應用 75 第一項 較小歧視替代方案的內涵 75 第二項 人工智慧信貸與較小歧視替代方案 77 第三項 可解釋人工智慧的應用實例 78 第四節 小結 80 第五章 我國法下之人工智慧與公平信貸規範 81 第一節 人工智慧信貸歧視的控管方向 81 第二節 制訂信貸反歧視法之芻議 82 第一項 制定規範的必要性討論 82 第二項 規範層級及規範對象 83 第三項 金融反歧視法的基本規範內容與法定受保護特徵 84 第四項 正當理由例外與較小歧視替代方案 86 第五項 主管機關的調查監督 87 第六章 結論 88 參考文獻 91 | - |
| dc.language.iso | zh_TW | - |
| dc.title | 人工智慧金融與金融歧視之研究—以信用貸款為中心 | zh_TW |
| dc.title | Research on Artificial Intelligence Finance in Financial Discrimination: Focusing on Credit Lending | en |
| dc.type | Thesis | - |
| dc.date.schoolyear | 113-1 | - |
| dc.description.degree | 碩士 | - |
| dc.contributor.oralexamcommittee | 林勤富;林育廷 | zh_TW |
| dc.contributor.oralexamcommittee | Ching-Fu Lin;Yu-Ting Lin | en |
| dc.subject.keyword | 金融反歧視法,公平信貸,人工智慧信貸歧視,機器學習,金融消費者保護, | zh_TW |
| dc.subject.keyword | Financial Anti-Discrimination Act,Fair Lending,Artificial Intelligence Credit Discrimination,Machine Learning,Financial Consumer Protection, | en |
| dc.relation.page | 102 | - |
| dc.identifier.doi | 10.6342/NTU202500326 | - |
| dc.rights.note | 同意授權(全球公開) | - |
| dc.date.accepted | 2025-02-03 | - |
| dc.contributor.author-college | 法律學院 | - |
| dc.contributor.author-dept | 科際整合法律學研究所 | - |
| dc.date.embargo-lift | 2025-02-20 | - |
| Appears in Collections: | 科際整合法律學研究所 | |
Files in This Item:
| File | Size | Format | |
|---|---|---|---|
| ntu-113-1.pdf | 1.44 MB | Adobe PDF | View/Open |
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