MAS FEAT 原则（公平、伦理、问责、透明）

为数据主体提供渠道，以查询、申诉和请求审查影响他们的AIDA驱动决策。

Data subjects are provided with channels to enquire about, submit appeals for and request reviews of AIDA-driven decisions that affect them.

在审查AIDA驱动决策时，应考虑数据主体提供的经过验证的相关补充数据。

Verified and relevant supplementary data provided by data subjects are taken into account when performing a review of AIDA-driven decisions.

为增强公众信心，应主动向数据主体披露AIDA的使用情况，作为一般沟通的一部分。

To increase public confidence, use of AIDA is proactively disclosed to data subjects as part of general communication.

应数据主体要求，提供关于用于AIDA驱动决策的数据及其影响决策方式的清晰解释。

Data subjects are provided, upon request, clear explanations on what data is used to make AIDA-driven decisions about the data subject and how the data affects the decision.

应数据主体要求，提供关于哪些数据用于做出关于数据主体的AIDA驱动决策以及数据如何影响决策的清晰解释。

Data subjects are provided, upon request, clear explanations on what data is used to make AIDA-driven decisions about the data subject and how the data affects the decision.

应数据主体要求，提供关于AIDA驱动决策可能对其产生的后果的清晰解释。

Data subjects are provided, upon request, clear explanations on the consequences that AIDA-driven decisions may have on them.

应数据主体要求，提供关于AIDA驱动决策可能对其产生的后果的清晰解释。

Data subjects are provided, upon request, clear explanations on the consequences that AIDA-driven decisions may have on them.

企业在评估现有或制定新的内部框架以管理AIDA使用时，应考虑这些原则。

Firms should consider these Principles when assessing existing or developing new internal frameworks to govern the use of AIDA.

企业应继续遵守所有适用的法律和要求。

Firms should continue to comply with all applicable laws and requirements.

公司可根据AIDA驱动决策的重要性调整内部治理框架下的行动和要求。

Firms can calibrate actions and requirements under their internal governance framework based on the materiality of the AIDA-driven decisions.

用于AIDA驱动决策的数据和模型需定期审查和验证，以确保准确性和相关性，并尽量减少无意的偏见。

Data and models used for AIDA-driven decisions are regularly reviewed and validated for accuracy and relevance, and to minimize unintentional bias.

本套原则可指导所有使用AIDA提供金融产品和服务的公司。

This set of Principles can guide all firms using AIDA to provide financial products and services.

鼓励使用AIDA的公司根据第2.3节所述的重要性考虑因素调整其内部治理框架。

Firms using AIDA are encouraged to calibrate their internal governance frameworks based on considerations of materiality, as outlined in Section 2.3.

应向数据主体提供渠道，以查询、申诉和请求审查影响他们的AIDA驱动决策。

Data subjects are provided with channels to enquire about, submit appeals for and request reviews of AIDA-driven decisions that affect them.

AIDA驱动的决策应至少达到与人类驱动决策相同的道德标准。

AIDA-driven decisions are held to at least the same ethical standards as human-driven decisions.

AIDA的使用应与公司的道德标准、价值观和行为准则保持一致。

Use of AIDA is aligned with the firm’s ethical standards, values and codes of conduct.

AIDA驱动的决策应定期审查，以确保模型按设计和预期运行。

AIDA-driven decisions are regularly reviewed so that models behave as designed and intended.

用于AIDA驱动决策的数据和模型应定期审查和验证，以确保准确性和相关性，并尽量减少无意的偏见。

Data and models used for AIDA-driven decisions are regularly reviewed and validated for accuracy and relevance, and to minimize unintentional bias.

使用AIDA的公司应主动提高管理层和董事会对AIDA使用的认识。

Firms using AIDA proactively raise management and Board awareness of their use of AIDA.

使用AIDA的公司对内部开发和外部采购的AIDA模型均负有责任。

Firms using AIDA are accountable for both internally developed and externally sourced AIDA models.

为增强公众信心，应主动向数据主体披露AIDA的使用情况。

To increase public confidence, use of AIDA is proactively disclosed to data subjects.

定期审查AIDA驱动的决策，确保模型按设计和预期运行。

AIDA-driven decisions are regularly reviewed so that models behave as designed and intended.

在审查AIDA驱动决策时，应考虑数据主体提供的经过验证的相关补充数据。

Verified and relevant supplementary data provided by data subjects are taken into account when performing a review of AIDA-driven decisions.

在AIDA驱动的决策中使用AIDA应获得适当的内部机构批准。

Use of AIDA in AIDA-driven decision-making is approved by an appropriate internal authority.

使用个人属性作为AIDA驱动决策的输入因素必须合理。

Use of personal attributes as input factors for AIDA-driven decisions is justified.

除非可证明合理，否则个人或群体不应因AIDA驱动的决策而系统性地处于不利地位。

Individuals or groups of individuals are not systematically disadvantaged through AIDA-driven decisions unless these decisions can be justified.

此类内部治理框架还可包含评估用于AIDA驱动决策的数据和模型准确性的流程，并可根据决策的重要性进行调整。

Such internal governance frameworks may also have processes which assess data and models used for AIDA-driven decisions for accuracy, and may be calibrated based on the materiality of the decisions.

公司可建立内部治理框架，评估并设定AIDA驱动决策背后适当理由的标准，包括使用特定数据属性。

Firms may have internal governance frameworks in place to assess and set standards of appropriate levels of justifications behind AIDA-driven decisions, including use of specific data attributes.

个人或群体不应因AIDA驱动决策而系统性地处于不利地位，除非这些决策有正当理由。

Individuals or groups of individuals are not systematically disadvantaged through AIDA-driven decisions, unless these decisions can be justified.

使用个人属性作为AIDA驱动决策的输入因素必须有正当理由。

Use of personal attributes as input factors for AIDA-driven decisions is justified.

基于内部治理框架，AIDA公司制定模型验证和测试要求，以检查错误或无意偏见。

Based on an internal governance framework, an AIDA Firm puts in place requirements for model validation exercises and testing for errors or unintentional biases.

AIDA公司的内部治理框架还确定了具体的审查触发因素，包括使基本模型假设失效的意外变化。

The AIDA Firm’s internal governance framework also identifies specific triggers for review, including unexpected changes that invalidate basic model assumptions.

遵守道德标准同样适用于AIDA的使用。

Adherence to these ethical standards applies equally to the use of AIDA.

所有使用AIDA的公司都应遵循其道德标准。

All firms using AIDA or not operate in line with their ethical standards.

AIDA的使用应与公司的道德标准、价值观和行为准则一致。

Use of AIDA is aligned with the firm’s ethical standards, values and codes of conduct.

AIDA驱动的决策至少应达到与人类决策相同的道德标准。

AIDA-driven decisions are held to at least the same ethical standards as human driven decisions.

模型或算法不使用性别作为输入或衍生属性。

The model or algorithm does not use gender as an input or derived attribute.

AIDA公司应建立全组织范围的道德审查委员会。

An AIDA Firm does not have a clear authority that oversees and maintains its ethical standards, and thus decides to establish an organisation-wide ethical review board.

AIDA公司应考虑设立项目特定的跨职能道德审查委员会。

The AIDA Firm also considers setting up project-specific cross-functional ethical review boards comprising stakeholders of relevant expertise and independent representatives, which report into the organisation-wide ethical review board.

此类责任适用于所有AIDA的使用，无论是内部开发还是外部采购。

Such accountability applies to all uses of AIDA, whether internally developed or externally sourced.

在AIDA公司内部，应明确AIDA驱动决策的责任和所有权，并设立适当的内部审批机构。

It is important that there is clear responsibility for and ownership of AIDA-driven decisions within an AIDA firm, with appropriate internal approving authorities for the use of AIDA.

问责原则侧重于两个方面：内部问责（涉及AIDA公司的内部治理）和外部问责（涉及AIDA公司对数据主体的责任）。

The principle of Accountability thus focuses on two key aspects – firstly, internal accountability, which is concerned with the AIDA Firm’s internal governance, and secondly, external accountability, which is concerned with the AIDA Firm’s responsibility to data subjects.

在AIDA驱动的决策中使用AIDA需经适当的内部机构批准。

Use of AIDA in AIDA-driven decision-making is approved by the appropriate internal authority.

使用AIDA的公司对内部开发和外部采购的AIDA模型均负有责任。

Firms using AIDA are accountable for both internally developed and externally sourced AIDA models.

使用AIDA的公司主动提高管理层和董事会对AIDA使用的认识。

Firms using AIDA proactively raise management and Board awareness of their use of AIDA.

公司对高度重大决策设定首席执行官或董事会级别的审批权限，并进行适当的尽职调查，以确保审批机构充分了解决策所用的数据和模型逻辑。

The Firm sets approving levels at Chief Executive Officer or Board levels for highly-material decisions, with proper due diligence so that approving authorities have sufficient understanding of the data and model logic used for decision-making.

AIDA公司定期向董事会更新公司内AIDA的使用情况，以便董事会保持对所有重大AIDA驱动决策的全局了解。

An AIDA Firm updates the Board on the use of AIDA within the Firm on a periodic basis, so that the Board maintains a central view of all material AIDA-driven decisions.

在通知数据主体AIDA驱动决策时，AIDA公司应提供联系电话和电子邮件地址，以便数据主体查询决策并提供合理的审查依据。

When informing a data subject of an AIDA-driven decision, the AIDA Firm includes a contact number and email address so that data subjects can enquire about the decision and provide a reasonable basis for review.

数据主体可要求获得关于决策所用数据、数据如何影响决策以及决策对数据主体后果的清晰解释。

Data subjects may seek clear explanations about data used for decision-making, how data affects the decision and the consequences on data subjects.

AIDA公司还向客户大致说明用于分析其驾驶模式的数据，并提供渠道让客户提供更准确或更新的信息。

The AIDA Firm also broadly shares with the customer what data is used to analyse his driving patterns and provide an avenue for the customer to provide more accurate or updated information.

被收取更高保费的客户可向公司寻求关于保费增加原因的有意义解释。

A customer who is charged a higher premium can approach the Firm for a meaningful explanation on the reasons for the increase.

AIDA公司告知客户其所属客户群体及对保费的相应影响。

The AIDA Firm shares with the customer which customer group he falls into and the corresponding impact on premiums.

AIDA公司决定不分享所使用的AIDA模型或提供相关解释。

An AIDA Firm decides not to share about the AIDA model used, or provide explanations relating to this area.

AIDA公司选择在对话开始时告知数据主体他们正在与AI电话操作员互动。

The AIDA Firm opts to begin the conversation by informing the data subject that they are interacting with an AI phone operator.