用区块链与可解释AI提升小企业贷款决策可信度
DeFi TrustBoost: Blockchain and AI for Trustworthy Decentralized Financial Decisions
- 结合区块链与可解释AI实现可信贷款审核
- 支持链上链下数据协同存储与防篡改审计
- 适合关注合规与安全的DeFi系统设计者
本研究提出去中心化金融（DeFi）可信增强框架（TrustBoost），融合区块链与可解释AI，解决低收入家庭小微企业贷款审核中借贷方面临的挑战。框架重点满足区块链与AI系统四大核心需求：隐私保护、符合数据保护法规、抗对抗攻击及满足监管审计要求。提出一种防篡改的自动化AI决策审计技术，并设计链上（on-chain）与链下（off-chain）数据存储策略，促进金融机构内部及跨机构协作。
原文摘要 · Abstract (English)
This research introduces the Decentralized Finance (DeFi) TrustBoost Framework, which combines blockchain technology and Explainable AI to address challenges faced by lenders underwriting small business loan applications from low-wealth households. The framework is designed with a strong emphasis on fulfilling four crucial requirements of blockchain and AI systems: confidentiality, compliance with data protection laws, resistance to adversarial attacks, and compliance with regulatory audits. It presents a technique for tamper-proof auditing of automated AI decisions and a strategy for on-chain (inside-blockchain) and off-chain data storage to facilitate collaboration within and across financial organizations.
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