临时文件管理解释：监管机构如何应对人工智能可解释性问题

Investment Rating - The report does not provide a specific investment rating for the industry Core Insights - The increasing adoption of artificial intelligence (AI) in financial institutions is transforming operations, risk management, and customer interactions, but the limited explainability of complex AI models poses significant challenges for both financial institutions and regulators [7][9] - Explainability is crucial for transparency, accountability, regulatory compliance, and consumer trust, yet complex AI models like deep learning and large language models (LLMs) are often difficult to interpret [7][9] - There is a need for robust model risk management (MRM) practices in the context of AI, balancing explainability and model performance while ensuring risks are adequately assessed and managed [9][19] Summary by Sections Introduction - AI models are increasingly applied across all business activities in financial institutions, with a cautious approach in customer-facing applications [11] - The report highlights the importance of explainability in AI models, particularly for critical business activities [12] MRM and Explainability - Existing MRM guidelines are often high-level and may not adequately address the specific challenges posed by advanced AI models [19][22] - The report discusses the need for clearer articulation of explainability concepts within existing MRM requirements to better accommodate AI models [19][22] Challenges in Implementing Explainability Requirements - Financial institutions face challenges in meeting existing regulatory requirements for AI model explainability, particularly with complex models like deep neural networks [40][56] - The report emphasizes the need for tailored explainability requirements based on the audience, such as senior management, consumers, or regulators [58] Potential Adjustments to MRM Guidelines - The report suggests potential adjustments to MRM guidelines to better address the unique challenges posed by AI models, including the need for clearer definitions and expectations regarding model changes [59][60] Conclusion - The report concludes that overcoming explainability challenges is crucial for financial institutions to leverage AI effectively while maintaining regulatory compliance and managing risks [17][18]