{"resolved":true,"match_type":"uuid","source_type":"original_book","book_id":"e613fff5-9eda-4e8d-b348-903e6d630253","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":"e613fff5-9eda-4e8d-b348-903e6d630253","id":"e613fff5-9eda-4e8d-b348-903e6d630253","uuid":"e613fff5-9eda-4e8d-b348-903e6d630253","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/e613fff5-9eda-4e8d-b348-903e6d630253","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/e613fff5-9eda-4e8d-b348-903e6d630253/page/{printed_page}","path_api_url_template":"https://workshop.closeclaw.top/api/ai/book/e613fff5-9eda-4e8d-b348-903e6d630253/page/{printed_page}","read_url":"https://workshop.closeclaw.top/api/ai/read/e613fff5-9eda-4e8d-b348-903e6d630253","page_url":"https://workshop.closeclaw.top/api/ai/books/e613fff5-9eda-4e8d-b348-903e6d630253/page","search_url":"https://workshop.closeclaw.top/api/ai/books/e613fff5-9eda-4e8d-b348-903e6d630253/search"},"page":{"printed_page":246,"pdf_page":265,"physical_index":265,"physical_index_base":0,"printed_page_status":"recognized","page_sha256":"4b9e64f35658ac971bf859e53700ed05d6f579d49d14fabd92d2d7675c39a9f3"},"chapter":"第三章","content":"医疗领域已经在某种程度上实现了自动化。当某一供应商的计费模式明显异常（例如，大量主张遭到回绝，或者有医生逾越了本职工作的范围)，数据分析商就可以发现警示信号，并及早实施干预，防止大范围调查和起诉带来的损失。虽然有时也会出现“意外”，但多数情况下的干预行动都十分有效，并且符合标准。当Ameriquest公司的“次贷修饰部门”在伪造工资表的时候，或者当美国国际集团的金融产品部门在资金储备明显不足的情况下制造大量的信用违约掉期时，如果上述的保障措施早就到位，2008年的危机可能就会避免，国民生产总值也可以保住数万亿美元。\n\n不过，有人可能会问，如果出现金融创新怎么办？基于过往不当行为模式的算法如何检测新投资工具中的新问题呢？在这里，我们又可以从健康法中获得借鉴。金融监管机构可以为新的金融产品颁发许可证。两位法律和经济学的学者曾经建议“政府机构以及美国食品药品监督管理局对创新药物进行审查，公司在获得批准前不得对该药物进行销售”。“金融界中也应当设立类似于食品药品监督管理局的机构”，从而可以配合监管机构提供有关金融工具滥用的预警信号，或者对证券审批设立一些基本的安全要求。这也是消费者金融保护局在处理所谓的“金融产品”抵押贷款时遵循的理念之一，为的是降低金融机构的监管和诉讼风险。\n\n黑箱社会The Black BoxSociety\n\n246","previous_page":245,"next_page":247}