中国工程科学2026，Vol.28Issue(2)：113-124,12.DOI:10.15302/J-SSCAE-2025.08.012
数字金融场景中人工智能模型可解释性风险的特征与治理研究
Interpretability Risks of AI Models in Digital Finance Scenarios:Features and Governance
摘要
Abstract
In the context of the rapid evolution of digital finance,artificial intelligence(AI)models are deeply integrated into critical business processes such as risk assessment,asset pricing,and anti-fraud.The resultant lack of model interpretability has progressively become a significant source of risk,constraining financial stability and public trust.This study aims to comprehensively explore the causes,harms,identification,and governance of AI model interpretability risks.It finds that the interpretability risks of AI models primarily stem from the high complexity of algorithmic structures,implicit biases within data samples,inconsistency between modeling objectives and interpretability regulatory goals,and failure of explanations due to continuous model iteration.Building upon this,the study systematically reveals the multi-layered harms of AI model interpretability risks across four key dimensions:financial stability,social inclusion,legal compliance,and technical security.Concurrently,an identification framework for AI model interpretability risks is constructed,centered on the core methodology of transparency quantification,bias identification,compliance validation,and security detection.Finally,we propose a comprehensive governance system encompassing model engineering optimization,data governance and feature management,multi-party auditing and regulatory coordination,and construction of standards systems and responsibility delineation.This framework seeks to achieve a dynamic balance among technological efficiency,regulatory controllability,and social trust in the collaborative development of digital finance and AI.关键词
数字金融/风险治理框架/可解释性风险/AI模型/可解释AIKey words
digital finance/risk governance framework/interpretability risk/artificial intelligence models/explainable artificial intelligence分类
管理科学引用本文复制引用
张润驰,岳中刚,张国法,孙明明,金磊..数字金融场景中人工智能模型可解释性风险的特征与治理研究[J].中国工程科学,2026,28(2):113-124,12.基金项目
国家自然科学基金项目(72401144) The National Natural Science Foundation of China Project(72401144) （72401144）
