为中小企业AI应用设计可信伦理框架，推动安全合规落地
SME-TEAM: Leveraging Trust and Ethics for Secure and Responsible Use of AI and LLMs in SMEs
- 构建四支柱框架：数据、算法、人工监管与模型架构协同
- 提出可操作的多阶段实施路径，提升中小企业AI应用可信度
- 适合关注AI合规与伦理的中小企业管理者及技术决策者
人工智能（AI）和大语言模型（LLMs）正在重塑当代商业实践；然而，其在中小型企业（SMEs）中的应用引发严重的信任、伦理与技术问题。本文提出一个结构化的多阶段框架——SME-TEAM，旨在实现中小企业对这些技术的安全与负责任使用。该框架基于四大核心支柱：数据、算法、人工监督与模型架构，将理论伦理原则与实际操作相结合，增强中小企业在各类应用场景中对AI的能力。最终，本文提供了一个清晰的技术采纳路线图，将信任与伦理置于企业韧性、竞争力与可持续创新的核心位置，特别是在商业分析领域。
原文摘要 · Abstract (English)
Artificial Intelligence (AI) and Large Language Models (LLMs) are revolutionizing today's business practices; however, their adoption within small and medium-sized enterprises (SMEs) raises serious trust, ethical, and technical issues. In this perspective paper, we introduce a structured, multi-phased framework, "SME-TEAM" for the secure and responsible use of these technologies in SMEs. Based on a conceptual structure of four key pillars, i.e., Data, Algorithms, Human Oversight, and Model Architecture, SME-TEAM bridges theoretical ethical principles with operational practice, enhancing AI capabilities across a wide range of applications in SMEs. Ultimately, this paper provides a structured roadmap for the adoption of these emerging technologies, positioning trust and ethics as a driving force for resilience, competitiveness, and sustainable innovation within the area of business analytics and SMEs.
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