

{"id":38454,"date":"2019-12-24T00:00:35","date_gmt":"2019-12-23T16:00:35","guid":{"rendered":"https:\/\/case.ntu.edu.tw\/blog\/?p=38454"},"modified":"2022-01-03T23:03:21","modified_gmt":"2022-01-03T15:03:21","slug":"%e6%80%a7%e7%9b%b2%e4%bf%a1%e7%94%a8%e8%a9%95%e6%af%94%e4%b8%ad%e7%9a%84%e6%80%a7%e5%88%a5%e5%81%8f%e8%a6%8b","status":"publish","type":"post","link":"https:\/\/case.ntu.edu.tw\/blog\/?p=38454","title":{"rendered":"\u6027\u76f2\u4fe1\u7528\u8a55\u6bd4\u4e2d\u7684\u6027\u5225\u504f\u898b"},"content":{"rendered":"<div class=\"single-post-media clr\">\n<div class=\"post-thumbnail\"><img fetchpriority=\"high\" decoding=\"async\" src=\"https:\/\/highscope.ch.ntu.edu.tw\/wordpress\/wp-content\/uploads\/2019\/12\/credit-card.jpg\" alt=\"\u6027\u76f2\u4fe1\u7528\u8a55\u6bd4\u4e2d\u7684\u6027\u5225\u504f\u898b\" width=\"500\" height=\"333\" \/><\/div>\n<\/div>\n<div class=\"entry clr\">\n<div class=\"pf-content\">\n<p><strong>\u7de8\u8b6f\uff0f\u9673\u5ba3\u8c6a<\/strong><\/p>\n<p><strong>\u6027\u5225\u6b04\u4ee5\u5916\u7684\u6027\u5225<\/strong><\/p>\n<p>\u7136\u800c\uff0c\u5728\u5be6\u52d9\u4e0a\uff0c\u5373\u4f7f\u5b8c\u5168\u53bb\u9664\u6578\u64da\u4e2d\u7684\u6027\u5225\u8cc7\u6599\uff0c\u6f14\u7b97\u6cd5\u4ecd\u7136\u53ef\u4ee5\u8f15\u6613\u5730\u5f9e\u5176\u4ed6\u9ad8\u5ea6\u76f8\u95dc\u7684\u8b8a\u91cf\u4e2d\u63a8\u5c0e\u51fa\u88ab\u8a55\u4f30\u8005\u7684\u6027\u5225\u3002\u65bc\u662f\u6578\u64da\u4e2d\u56e0\u70ba\u4eba\u70ba\u56e0\u7d20\u907a\u7559\u4e0b\u7684\u6027\u5225\u4e0d\u5e73\u7b49\uff08\u4f8b\u5982\u5c31\u6b77\u53f2\u8cc7\u6599\u800c\u8a00\uff0c\u6838\u767c\u7d66\u5973\u6027\u7684\u4fe1\u7528\u984d\u5ea6\u666e\u904d\u504f\u4f4e\uff09\uff0c\u56e0\u70ba\u5c11\u4e86\u91dd\u5c0d\u6027\u5225\u7684\u8abf\u6574\u8207\u6821\u6b63\uff0c\u4e0d\u4f46\u6c92\u6709\u88ab\u53ca\u6642\u7cfe\u6b63\uff0c\u751a\u81f3\u88ab\u6cbf\u7528\u66f4\u653e\u5927\u4e86\uff01\uff08\u5176\u4ed6\u5982\u7a2e\u65cf\u7b49\u7279\u5fb5\u4ea6\u6709\u540c\u6a23\u7684\u73fe\u8c61\uff09\u800c\u9019\uff0c\u6216\u4e5f\u5c31\u662f\u9ad8\u76dbApple Card\u6848\u7684\u4e3b\u56e0\u3002<\/p>\n<p>\u65bc\u662f\uff0c\u5982\u679c\u6211\u5011\u53cd\u5176\u9053\u800c\u884c\uff0c\u5c07\u6027\u5225\u7d0d\u5165\u8003\u91cf\uff0c\u662f\u5426\u6709\u52a9\u65bc\u6e1b\u8f15\u5c0d\u6027\u5225\u7684\u504f\u898b\u5462\uff1f\u897f\u5317\u5927\u5b78\u52a9\u7406\u6559\u6388Sean Higgins\u7684\u4e00\u9805\u5be6\u9a57\uff0c\u4f3c\u4e4e\u652f\u6301\u9019\u6a23\u7684\u60f3\u6cd5\u3002<\/p>\n<p>Higgins\u7684\u7814\u7a76\u5718\u968a\u8207\u591a\u7c73\u5c3c\u52a0\u7684\u4e00\u5bb6\u5546\u696d\u9280\u884c\u5408\u4f5c\uff0c\u4ee5\u6f14\u7b97\u6cd5\u8a55\u4f30\u5169\u842c\u540d\u4f4e\u6536\u5165\u4eba\u53e3\uff08\u7537\u5973\u5404\u534a\uff09\u7684\u4fe1\u8cb8\u984d\u5ea6\uff0c\u4f46\u4f7f\u7528\u5169\u500b\u4e0d\u540c\u7684\u8cc7\u6599\u5eab\uff1a\u7b2c\u4e00\u500b\u8cc7\u6599\u5eab\u662f\u5168\u9ad4\u5169\u842c\u540d\u7537\u5973\u7684\u500b\u4eba\u9084\u8cb8\u7d00\u9304\uff1b\u7b2c\u4e8c\u500b\u8cc7\u6599\u5eab\u5247\u53ea\u6709\u5973\u6027\u7684\u9084\u8cb8\u6578\u64da\u3002\u6700\u7d42\u767c\u73fe\uff1a\u7b2c\u4e8c\u500b\u8cc7\u6599\u5eab\u6240\u8a13\u7df4\u51fa\u7684\u6a21\u578b\u7d66\u4e8893%\u7684\u5973\u6027\u8f03\u7537\u5973\u6df7\u5408\u6a21\u578b\u66f4\u9ad8\u7684\u4fe1\u8cb8\u984d\u5ea6\u3002<\/p>\n<p>\u7136\u800c\u8af7\u523a\u7684\u662f\uff0c\u9019\u7a2e\u4f5c\u6cd5\u5728\u8a31\u591a\u570b\u5bb6\uff0c\u4f8b\u5982\u7f8e\u570b\uff0c\u5176\u5be6\u662f\u9055\u6cd5\u7684\u3002<\/p>\n<p><strong>\u904e\u6642\u7684\u6027\u5e73\u6cd5\u6848\uff1f<\/strong><\/p>\n<p>\u7531\u65bc\u904e\u53bb\u5a66\u5973\u7d93\u5e38\u88ab\u9280\u884c\u62d2\u7d55\u4fe1\u8cb8\uff0c\u56e0\u6b64\u7f8e\u570b\u653f\u5e9c\u7279\u610f\u7acb\u6cd5\u7981\u6b62\u4efb\u4f55\u50b5\u6b0a\u4eba\u56e0\u6027\u5225\u62d2\u7d55\u50b5\u52d9\u4eba\u7684\u4fe1\u8cb8\u8cc7\u683c\u6216\u964d\u4f4e\u984d\u5ea6\u30021974\u5e74\u300a\u5e73\u7b49\u4fe1\u8cb8\u6a5f\u6703\u6cd5\u300b\uff08<em>Equal Credit Opportunity Act<\/em>\uff0cECOA\uff09\u65bd\u884c\uff0c1976\u5e74\u66f4\u9032\u4e00\u6b65\u5c07\u7a2e\u65cf\uff08race\uff09\u3001\u65cf\u88d4\uff08national origin\uff09\u7b49\u9762\u5411\u7d0d\u5165\uff0c\u64f4\u5927\u8a72\u6cd5\u7684\u4fdd\u8b77\u7bc4\u570d\u3002<\/p>\n<p>\u8ab0\u4e5f\u672a\u66fe\u60f3\u5230\uff0c\u539f\u5148\u7acb\u610f\u826f\u5584\u7684ECOA\uff0c\u7adf\u6210\u70ba\u6027\u5e73\u4fe1\u7528\u8a55\u6bd4\u7684\u6700\u5927\u969c\u7919\u3002Higgins\u8a8d\u70ba\uff1a\u76ee\u524d\u91dd\u5c0d\u6f14\u7b97\u6cd5\u516c\u5e73\u6027\u7684\u7814\u7a76\u5df2\u9678\u7e8c\u5f97\u51fa\u76f8\u7576\u660e\u78ba\u7684\u7d50\u8ad6\uff0c\u6211\u5011\u61c9\u8a72\u8003\u616e\u7a2e\u65cf\u3001\u6027\u5225\u7b49\u8b8a\u91cf\uff0c\u624d\u80fd\u5728\u4e8b\u524d\u5efa\u7acb\u4e00\u5957\u6a19\u6e96\u7a0b\u5e8f\u4f86\u6aa2\u9a57\u6f14\u7b97\u6cd5\u662f\u5426\u5b58\u5728\u4efb\u4f55\u4e0d\u6613\u5bdf\u89ba\u7684\u504f\u898b\uff0c\u800c\u4e0d\u662f\u300c\u770b\u63a8\u7279\u624d\u77e5\u9053\u300d\u3002\u5982\u679c\u4e00\u500b\u6cd5\u6848\u7684\u7acb\u6cd5\u521d\u8877\u8207\u65bd\u884c\u7d50\u679c\u80cc\u9053\u800c\u99b3\uff0c\u662f\u5426\u6b63\u610f\u5473\u8457\u6539\u8b8a\u7684\u6642\u6a5f\u5230\u4e86\uff1f<\/p>\n<p>\u52a0\u5dde\u5927\u5b78\u6d1b\u6749\u78ef\u5206\u6821\u7684\u6cd5\u5b78\u52a9\u7406\u6559\u6388Andrew Selbst\u5247\u8a8d\u70ba\u4e0d\u5b9c\u5192\u9032\u3002\u8cbf\u7136\u5ee2\u9664\u6216\u4fee\u6b63ECOA\uff0c\u7a0d\u6709\u4e0d\u614e\u90fd\u53ef\u80fd\u70ba\u90a3\u4e9b\u5225\u6709\u5c45\u5fc3\u8005\u5ee3\u958b\u9053\u8def\uff0c\u6beb\u7121\u907f\u8af1\u5730\u4ee5\u5408\u6cd5\u4e4b\u540d\u884c\u6b67\u8996\u4e4b\u5be6\uff0c\u53cd\u800c\u7121\u610f\u4e2d\u9020\u6210\u66f4\u5927\u50b7\u5bb3\u3002<\/p>\n<p><strong>\u00a0<\/strong><\/p>\n<p><strong>\u7de8\u8b6f\u4f86\u6e90<\/strong><\/p>\n<p>K. Hao, \u201c<a href=\"https:\/\/www.technologyreview.com\/s\/614721\/theres-an-easy-way-to-make-lending-fairer-for-women-trouble-is-its-illegal\/\">MIT Technology Review: There\u2019s an easy way to make lending fairer for women. Trouble is, it\u2019s illegal<\/a>,\u201d MIT Technology Review, 2019.<\/p>\n<p><strong>\u53c3\u8003\u8cc7\u6599<\/strong><\/p>\n<ol>\n<li>J. Kleinberg, J. Ludwig, S. Mullainathan and A. Rambachan, \u201c<a href=\"https:\/\/pdfs.semanticscholar.org\/bbad\/34e7476371e3fc521aa657a7ef0faca2e77c.pdf\">Algorithmic Fairness<\/a>\u201c,\u00a0<em>AEA Papers and Proceedings<\/em>, vol. 108, pp. 22-27, 2018.<\/li>\n<li>S. Higgins, \u201c<a href=\"https:\/\/medium.com\/center-for-effective-global-action\/gender-differentiated-credit-scores-bridging-the-gender-gap-in-access-to-credit-87e040318cdb\">Gender-differentiated Credit Scores: Bridging the Gender Gap in Access to Credit,<\/a>\u201d\u00a0<em>Medium<\/em>, 2019.<\/li>\n<\/ol>\n<p>(\u672c\u6587\u7531\u6559\u80b2\u90e8\u88dc\u52a9\u300cAI\u5831\u5831\u2500AI\u79d1\u666e\u63a8\u5ee3\u8a08\u756b\u300d\u57f7\u884c\u5718\u968a\u7de8\u8b6f)<\/p>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>2019\u5e7411\u6708\u7684\u67d0\u500b\u6e05\u6668\uff0c\u7d10\u7d04\u91d1\u878d\u670d\u52d9\u90e8\u5c0d\u9ad8\u76db\u96c6\u5718\u5c55\u958b\u4e00\u9805\u6027\u5e73\u8abf\u67e5\u3002\u539f\u56e0\u662fDavid Heinemeier Hansson\uff08\u7db2\u9801\u61c9\u7528\u958b\u767c\u6846\u67b6Ruby on Rails\u7684\u539f\u5275\u8005\uff09\u5728Twitter\u4e0a\u767c\u6587\uff0c\u6307\u63a7\u860b\u679c\u516c\u53f8\u4fe1\u7528\u5361Apple Card\u7684\u6838\u5361\u5236\u5ea6\u4e0d\u5229\u65bc\u5973\u6027\u7533\u8fa6\u4eba\u3002\u5728\u81ea\u5df1\u8207\u59bb\u5b50\u540c\u6642\u4ee5\u806f\u5408\u7d0d\u7a05\u7533\u5831\u8868\u7533\u8fa6\u7684\u524d\u63d0\u4e0b\uff0c\u6838\u767c\u7d66\u81ea\u5df1\u7684\u5237\u5361\u984d\u5ea6\u7adf\u662f\u59bb\u5b50\u768420\u500d\uff01\u5c0d\u6b64\uff0c\u59d4\u8a17\u7ba1\u7406Apple Card\u7684\u9ad8\u76db\uff0c\u5728\u8072\u660e\u4e2d\u5f37\u8abf\u5167\u90e8\u4fe1\u7528\u8a55\u4f30\u6240\u4f7f\u7528\u7684\u6f14\u7b97\u6cd5\u5b8c\u5168\u4e0d\u8003\u616e\u300c\u6027\u5225\u300d\u9019\u9805\u56e0\u5b50\u3002\u9019\u51f8\u986f\u4e86AI\u516c\u5e73\u6027\u9019\u9805\u8b70\u984c\u4e0a\u7684\u4e00\u500b\u5f14\u8a6d\uff1a\u7576\u96fb\u8166\u5b8c\u5168\u4e0d\u77e5\u9053\u67d0\u4eba\u6027\u5225\u6642\uff0c\u5982\u4f55\u53bb\u6b67\u8996\uff1f<\/p>\n","protected":false},"author":21,"featured_media":38455,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3772,3293],"tags":[5745,5746,5747,173],"aioseo_notices":[],"jetpack_featured_media_url":"https:\/\/case.ntu.edu.tw\/blog\/wp-content\/uploads\/2022\/01\/credit-card.jpg","_links":{"self":[{"href":"https:\/\/case.ntu.edu.tw\/blog\/index.php?rest_route=\/wp\/v2\/posts\/38454"}],"collection":[{"href":"https:\/\/case.ntu.edu.tw\/blog\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/case.ntu.edu.tw\/blog\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/case.ntu.edu.tw\/blog\/index.php?rest_route=\/wp\/v2\/users\/21"}],"replies":[{"embeddable":true,"href":"https:\/\/case.ntu.edu.tw\/blog\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=38454"}],"version-history":[{"count":1,"href":"https:\/\/case.ntu.edu.tw\/blog\/index.php?rest_route=\/wp\/v2\/posts\/38454\/revisions"}],"predecessor-version":[{"id":38456,"href":"https:\/\/case.ntu.edu.tw\/blog\/index.php?rest_route=\/wp\/v2\/posts\/38454\/revisions\/38456"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/case.ntu.edu.tw\/blog\/index.php?rest_route=\/wp\/v2\/media\/38455"}],"wp:attachment":[{"href":"https:\/\/case.ntu.edu.tw\/blog\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=38454"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/case.ntu.edu.tw\/blog\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=38454"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/case.ntu.edu.tw\/blog\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=38454"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}