New Trend in Fintech: Research on Artificial Intelligence Model Interpretability in Financial Fields

摘要

With the development of Fintech, applying artificial intelligence (AI) technologies to the financial field is a general trend. However, there are some inappropriate conditions, for instance, the AI model is always treated as a black box and cannot be interpreted. This paper studies the AI model interpretability when the models are applied in the financial field. We analyze the reasons of black box problem and explore the effective solutions. We propose a new kind of automatic Regtech tool — LIMER, and put forward policy suggestions, thereby continuously promoting the development of Fintech to a higher level.