{"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":191,"pdf_page":210,"physical_index":210,"physical_index_base":0,"printed_page_status":"recognized","page_sha256":"8153f5d3f59e6fb7bb8def8ddb61c2337c2a068dae015f4d8ee32a3f3e3abf3c"},"chapter":"第三章","content":"算法程序推进了当代金融中两个最令人不安的元素：集中化和自我参照。经济学家阿马尔·拜德曾经指出，在对授信申请人进行排名的“最好方法”的理念之下，地方信贷员的分散化判断被植入到了全国信用评分当中该评分的着眼点在个人，而非群体。就像单一的耕作技术容易被某种意外虫灾所毁灭一样，一旦宏观经济发生改变，信用评估的汇总方法就会轰然崩溃。模型虚拟出来的可公度性和硬性估值使人们误以为自己可以快速获利并纷纷投入其中，从而极速推进了从繁荣走向破产的过程。\n\n在金融界，将某一判断过程简化为一系列步骤的算法程序长期以来一直被标榜为造就公平竞争环境和降低风险的有效方法。人们认为可以通过算法程序来替换、取代或减少中间商(从抵押贷款信贷员到“专业”交易人员）的偏见或自我牟利行为。但很多时候，新的中间商会层出不穷，他们魔高一丈，寻找着从交易中榨取利益的方法。\n\n隐秘的利益冲突长期充斥华尔街的各大公司，所以美国经济无疑会在某种程度上受到秘密算法的劫持或破坏。但金融技术问题同样不可忽视，因为建模方法和自动化程序等复杂技术让风险管理者无从下手，很难发现欺诈行为的蛛丝马迹。前交易员萨蒂亚吉特·达斯(SatyajitDas)的话让人印象深刻，“没有年薪100多万美元的交易员会搭理年薪5万美元的审计员”，尤其是当这名交易员拥有无数的模型来证明他的才智时。\n\n第四章\n\n金融算法:皇帝的新代码\n\n191","previous_page":190,"next_page":192}