{"resolved":true,"match_type":"uuid","source_type":"original_book","book_id":"9c884da5-4c5c-4613-91be-2dad1863fbfa","title":"黑箱社会 控制金钱和信息的数据法则＝THE BLACK BOX SOCIETY","author":null,"edition":null,"publisher":null,"year":null,"isbn":"9787508655208","requested_by":"printed_page","book":{"source_type":"original_book","book_id":"9c884da5-4c5c-4613-91be-2dad1863fbfa","id":"9c884da5-4c5c-4613-91be-2dad1863fbfa","uuid":"9c884da5-4c5c-4613-91be-2dad1863fbfa","title":"黑箱社会 控制金钱和信息的数据法则＝THE BLACK BOX SOCIETY","normalized_title":"黑箱社会控制金钱和信息的数据法则theblackboxsociety","author":null,"edition":null,"publisher":null,"year":null,"isbn":"9787508655208","isbns":["9787508655208"],"parsed":true,"ai_readable":true,"document_type":"book","page_count":318,"navigation_url":"https://workshop.closeclaw.top/ai/book/9c884da5-4c5c-4613-91be-2dad1863fbfa","title_url":"https://workshop.closeclaw.top/ai/title/%E9%BB%91%E7%AE%B1%E7%A4%BE%E4%BC%9A%20%E6%8E%A7%E5%88%B6%E9%87%91%E9%92%B1%E5%92%8C%E4%BF%A1%E6%81%AF%E7%9A%84%E6%95%B0%E6%8D%AE%E6%B3%95%E5%88%99%EF%BC%9DTHE%20BLACK%20BOX%20SOCIETY","fixed_page_url_template":"https://workshop.closeclaw.top/ai/book/9c884da5-4c5c-4613-91be-2dad1863fbfa/page/{printed_page}","path_api_url_template":"https://workshop.closeclaw.top/api/ai/book/9c884da5-4c5c-4613-91be-2dad1863fbfa/page/{printed_page}","read_url":"https://workshop.closeclaw.top/api/ai/read/9c884da5-4c5c-4613-91be-2dad1863fbfa","page_url":"https://workshop.closeclaw.top/api/ai/books/9c884da5-4c5c-4613-91be-2dad1863fbfa/page","search_url":"https://workshop.closeclaw.top/api/ai/books/9c884da5-4c5c-4613-91be-2dad1863fbfa/search"},"page":{"printed_page":153,"pdf_page":172,"physical_index":172,"physical_index_base":0,"printed_page_status":"recognized","page_sha256":"c2f322673f7797c9c27448197cb93fb1622b90f9f2c42de7fd4a2c0f4a083ae5"},"chapter":"第三章","content":"让我们假设一种理想状况：黑箱程序非常精细，能够对用户负责，可以像人们期望的那样节省大量的时间、精力，并且降低错误率。但正如无所不知的Google一样，只要它是一个程序，就会有人试图对其进行操纵。然后又会发生什么呢?\n\n次贷的修饰部门\n\n在房地产泡沫的高峰期，作为最大的次级抵押贷款企业，美利凯斯特（Ameriquest）公司在无数电视广告中打出的宣传口号是“美国梦的荣誉赞助商”。它对于嵌入到贷款中的隐藏费用避而不谈，公司的广告中也只字不提次贷不法证券经纪人的交易场所，而销售人员正是在那里利用各种手段涂改、操纵贷款申请。如果申请人的收入较低，经纪人就会直接在他们的工资条或纳税表上伪造几个零。销售人员将这样的地方叫作“修饰部门”。美利凯斯特公司的一位经理曾经在一封电子邮件中这样概括，“我们都在这里赚钱，越多越好，这就是底线，其他什么都不重要。”\n\n第四章\n\n金融算法:皇帝的新代码\n\n153","previous_page":152,"next_page":154}