金融中的可持续人工智能:ESG因素的影响
1Department of Economics and Management, University of Pavia, Pavia, Italy.
Frontiers in artificial intelligence
|March 21, 2025
概括
本研究调查了环境,社会和治理 (ESG) 因素如何影响人工智能 (AI) 在信用评级. 开发了机器学习模型来评估这种影响,促进可持续的AI应用.
科学领域:
- 金融 金融 金融 金融 金融
- 人工智能的人工智能
- 可持续性科学 可持续性科学
背景情况:
- 人工智能 (AI) 在环境,社会和治理 (ESG) 因素的可持续性方面存在越来越多的担忧.
- 关于ESG因素对金融领域的人工智能应用的影响,特别是信用评级,仍然是研究不足的,没有确的证据.
研究的目的:
- 测量ESG因素对人工智能驱动信用评级的影响.
- 为评估ESG对信用评级的影响提出机器学习模型和指标.
- 提高AI决策在金融中的可持续性.
主要方法:
- 开发了几个针对评估ESG因素影响的机器学习模型.
- 引入一套新的指标,旨在提高影响测量的准确性.
- 将这些模型和指标应用于基于人工智能的信用评级系统.
主要成果:
- 具体ESG因素对信用评级结果的影响量化.
- 验证拟议的机器学习模型在衡量ESG影响方面的有效性.
- 证明ESG考虑可以改进AI信用评级评估.
结论:
- 显然,ESG因素会影响人工智能驱动的信用评级.
- 拟议的机器学习模型和指标提供了一种可行的方法来量化这种影响.
- 整合ESG考虑因素可以提高AI在财务决策中的可持续性和可靠性.
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