金融企业需强化生成式AI风险管控，防范幻觉与毒性问题。
Model Risk Management for Generative AI In Financial Institutions
- 构建针对生成式AI的模型验证框架，强化风险控制。
- 发现幻觉与毒性是主要模型风险，影响决策可靠性。
- 适合金融机构风控团队及AI合规人员参考。
2023年OpenAI的ChatGPT成功推动金融机构探索生成式AI应用，以降低运营成本或创造收入。尽管其具备显著效率潜力，但也引入了新风险，尤其是幻觉和毒性问题。作为高度监管机构，大型美国银行等金融企业有义务完善模型风险管理框架，增加测试与控制措施，确保生成式AI的安全部署。本文系统梳理了生成式AI在金融领域的模型风险管理关键环节，重点强调模型验证所需的额外实践要求。
原文摘要 · Abstract (English)
The success of OpenAI's ChatGPT in 2023 has spurred financial enterprises into exploring Generative AI applications to reduce costs or drive revenue within different lines of businesses in the Financial Industry. While these applications offer strong potential for efficiencies, they introduce new model risks, primarily hallucinations and toxicity. As highly regulated entities, financial enterprises (primarily large US banks) are obligated to enhance their model risk framework with additional testing and controls to ensure safe deployment of such applications. This paper outlines the key aspects for model risk management of generative AI model with a special emphasis on additional practices required in model validation.
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