PDF(Pubmed)
Abstract：
The proposal for the Artificial Intelligence regulation in the EU (AI Act) is a horizontal legal instrument that aims to regulate, according to a tailored risk-based approach, the development and use of AI systems across a plurality of sectors, including the financial sector. In particular, AI systems intended to be used to evaluate the creditworthiness or establish the credit score of natural persons are classified as \"high-risk AI systems\". The proposal, tabled by the Commission in April 2021, is currently at the center of intense interinstitutional negotiations between the two branches of the European legislature, the European Parliament and the Council. Without prejudice to the ongoing legislative deliberations, the paper aims to provide an overview of the main elements and choices made by the Commission in respect of the regulation of AI in the financial sector, as well as of the position taken in that regard by the European Parliament and Council.
摘要：
欧盟人工智能法规（AI法案）是一项旨在规范的横向法律文书，根据量身定制的基于风险的方法，在多个部门开发和使用人工智能系统，包括金融部门。特别是,用于评估自然人信用或建立信用评分的AI系统被归类为“高风险AI系统”。提案,由委员会于2021年4月提交，目前正处于欧洲立法机构两个分支之间激烈的机构间谈判的中心，欧洲议会和理事会。在不影响正在进行的立法审议的情况下，该文件旨在概述委员会在金融部门监管人工智能方面的主要要素和选择，以及欧洲议会和理事会在这方面采取的立场。
