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href=\"#\u6ce84\">\u3010\u6ce84\u3011<\/a>\u3002\u5728\u8fd9\u79cd\u60c5\u51b5\u4e0b\uff0c\u4ee5\u524d\u901a\u8fc7\u79ef\u6781\u7be1\u6539\u6570\u636e\u83b7\u5f97\u8d37\u6b3e\u7684\u501f\u6b3e\u8005\u4e0e\u6ce8\u91cd\u9690\u79c1\u7684\u501f\u6b3e\u8005\u80fd\u591f\u5e77\u5b58\uff0c\u4ece\u800c\u589e\u52a0\u4e86\u524d\u8005\u7684\u83b7\u5f97\u4fe1\u8d37\u7684\u673a\u4f1a\u3002<\/p>\n<p><a id=\"\u6ce81\" name=\"\u6ce81\"><\/a>\u6ce81\uff1a IPO: letter from our co-founder &amp; CEO, Dave Girouard (2020), <a href=\"https:\/\/info.upstart.com\/ipo-letter\" target=\"_blank\" rel=\"noopener\">https:\/\/info.upstart.com\/ipo-letter<\/a>.<br \/>\n<a id=\"\u6ce82\" name=\"\u6ce82\"><\/a>\u6ce82\uff1aExamining the use of alternative data in underwriting and credit scoring to expand access to credit (2019), US Government Publishing Office, <a href=\"https:\/\/www.congress.gov\/116\/chrg\/CHRG-116hhrg40160\/CHRG-116hhrg40160.pdf\" target=\"_blank\" rel=\"noopener\">https:\/\/www.congress.gov\/116\/chrg\/CHRG-116hhrg40160\/CHRG-116hhrg40160.pdf<\/a>.<br \/>\n<a id=\"\u6ce83\" name=\"\u6ce83\"><\/a>\u6ce83\uff1aEuropean Commission (2021), The Proposal for a Directive of the European Parliament and of the Council on Consumer Credits, European Commission Brussels COM(2021) 347 final.<br \/>\n<a id=\"\u6ce84\" name=\"\u6ce84\"><\/a>\u6ce84\uff1aRajan, U. and Xiong Y., (2025), Data Regulation in Credit Markets,<br \/>\nAvailable at: <a href=\"https:\/\/papers.ssrn.com\/sol3\/papers.cfm?abstract_id=5064460\" target=\"_blank\" rel=\"noopener\">https:\/\/papers.ssrn.com\/sol3\/papers.cfm?abstract_id=5064460<\/a><\/p>\n<p>\u672c\u6587\u57fa\u4e8e\u6e2f\u5927\u7ecf\u7ba1\u5b66\u9662\u526f\u6559\u6388\uff08\u4f1a\u8ba1\u53ca\u6cd5\u5b66\u3001\u91d1\u878d\u5b66\uff09\u718a\u7430\u4e0e\u7f8e\u56fd\u5bc6\u6b47\u6839\u5927\u5b66\u53f2\u8482\u82ac\u00b7\u7f57\u65af\u5546\u5b66\u9662Uday Rajan\u6559\u6388\u5171\u540c\u64b0\u5199\u7684\u5de5\u4f5c\u8bba\u6587\u201cData Regulation in Credit Markets\u201d (\u4fe1\u8d37\u5e02\u573a\u4e2d\u7684\u6570\u636e\u76d1\u7ba1)\u3002<\/p>\n<p><strong>\u718a\u7430\u6559\u6388<\/strong><br 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\u6ce81\uff1a IPO: letter from our co-founder &amp; CEO, Dave Girouard (2020), https:\/\/info.upstart.com\/ipo-letter. \u6ce82\uff1aExamining the use of alternative data in underwriting and credit scoring to expand access to credit (2019), US Government Publishing Office, https:\/\/www.congress.gov\/116\/chrg\/CHRG-116hhrg40160\/CHRG-116hhrg40160.pdf. \u6ce83\uff1aEuropean Commission (2021), The Proposal for a Directive of the European Parliament and\" \/>\n\t\t<meta property=\"og:url\" content=\"https:\/\/www.hkubs.hku.hk\/sc\/research\/thought-leadership\/ft-chinese-column\/potential-data-dangers-credit-markets-in-the-ai-age\/\" \/>\n\t\t<meta property=\"article:published_time\" content=\"2025-04-22T03:00:11+00:00\" \/>\n\t\t<meta property=\"article:modified_time\" content=\"2025-10-15T10:42:07+00:00\" \/>\n\t\t<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n\t\t<meta name=\"twitter:title\" content=\"\u53e6\u7c7b\u6570\u636e\u9690\u60a3\uff1aAI\u65f6\u4ee3\u4e0b\u7684\u4fe1\u8d37\u5e02\u573a - HKU Business School\" \/>\n\t\t<meta name=\"twitter:description\" content=\"\u5927\u6570\u636e\u6b63\u6df1\u523b\u6539\u53d8\u6211\u4eec\u751f\u6d3b\u7684\u5404\u4e2a\u5c42\u9762\uff0c\u91d1\u878d\u4fe1\u8d37\u5e02\u573a\u4ea6\u4e0d\u4f8b\u5916\u3002\u4ee5Upstart\u4e3a\u4f8b\uff0c\u8fd9\u4e2a\u8fd0\u7528\u4eba\u5de5\u667a\u80fd\u6280\u672f\u8d4b\u80fd\u91d1\u878d\u4fe1\u8d37\u7684\u9886\u5148\u8005\uff0c\u5145\u5206\u5229\u7528\u5404\u7c7b\u53e6\u7c7b\u6570\u636e\u6765\u652f\u6301\u4fe1\u8d37\u5ba1\u6279\u8fc7\u7a0b\u3002\u5f53\u4e2d\u5305\u62ec\u501f\u6b3e\u4eba\u7684\u5de5\u4f5c\u7ecf\u5386\u3001\u6559\u80b2\u80cc\u666f\u548c\u4e13\u4e1a\u7b49\u4fe1\u606f\uff0c\u751a\u81f3\u6d89\u53ca\u501f\u6b3e\u4eba\u7684\u884c\u4e3a\u6570\u636e\uff0c\u5982\u7533\u8bf7\u8d37\u6b3e\u7684\u65f6\u95f4\u3001\u7533\u8bf7\u91d1\u989d\u4ee5\u53ca\u4ed6\u4eec\u5982\u4f55\u627e\u5230\u8be5\u8d37\u6b3e\u4ea7\u54c1\u3002\u8fd9\u4e9b\u6570\u636e\u5728\u63d0\u5347\u4fe1\u8d37\u6a21\u578b\u7684\u9884\u6d4b\u80fd\u529b\u65b9\u9762\u81f3\u5173\u91cd\u8981\u3002\u6b63\u5982Upstart\u9996\u5e2d\u6267\u884c\u5b98Dave 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\u6ce81\uff1a IPO: letter from our co-founder &amp; CEO, Dave Girouard (2020), https:\/\/info.upstart.com\/ipo-letter. \u6ce82\uff1aExamining the use of alternative data in underwriting and credit scoring to expand access to credit (2019), US Government Publishing Office, https:\/\/www.congress.gov\/116\/chrg\/CHRG-116hhrg40160\/CHRG-116hhrg40160.pdf. \u6ce83\uff1aEuropean Commission (2021), The Proposal for a Directive of the European Parliament and\" \/>\n\t\t<script type=\"application\/ld+json\" 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\u6ce81\uff1a IPO: letter from our co-founder &amp; CEO, Dave Girouard (2020), https:\/\/info.upstart.com\/ipo-letter. \u6ce82\uff1aExamining the use of alternative data in underwriting and credit scoring to expand access to credit (2019), US Government Publishing Office, https:\/\/www.congress.gov\/116\/chrg\/CHRG-116hhrg40160\/CHRG-116hhrg40160.pdf. \u6ce83\uff1aEuropean Commission (2021), The Proposal for a Directive of the European Parliament and","og:url":"https:\/\/www.hkubs.hku.hk\/sc\/research\/thought-leadership\/ft-chinese-column\/potential-data-dangers-credit-markets-in-the-ai-age\/","article:published_time":"2025-04-22T03:00:11+00:00","article:modified_time":"2025-10-15T10:42:07+00:00","twitter:card":"summary_large_image","twitter:title":"\u53e6\u7c7b\u6570\u636e\u9690\u60a3\uff1aAI\u65f6\u4ee3\u4e0b\u7684\u4fe1\u8d37\u5e02\u573a - HKU Business 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\u6ce81\uff1a IPO: letter from our co-founder &amp; CEO, Dave Girouard (2020), https:\/\/info.upstart.com\/ipo-letter. \u6ce82\uff1aExamining the use of alternative data in underwriting and credit scoring to expand access to credit (2019), US Government Publishing Office, https:\/\/www.congress.gov\/116\/chrg\/CHRG-116hhrg40160\/CHRG-116hhrg40160.pdf. \u6ce83\uff1aEuropean Commission (2021), The Proposal for a Directive of the European Parliament 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