AI 中文总结
该研究针对法律领域的可解释人工智能提出质疑，结合欧盟法律背景与技术见解，主张采用广义的解释权解读，以技术解释加法律正当性保障债权人权利，以信用评分为例展开论证。
AI 中文摘要
基于人工智能的解决方案为信用评分等众多应用提供了提升效率的新可能。然而，所使用的机器学习模型日益复杂，即便具备可解释性，也引发了对其诸多方面的担忧。我们回顾了相关的欧盟法律背景，并结合技术科学的见解，根据技术可能性解读相关法律条款。我们反对对解释权的狭隘解读，提出应采用广义解读，其不仅涵盖技术解释，还包含法律正当性，这是唯一能以可操作的方式保障债权人权利的解读。
英文摘要
Artificial intelligence-based solutions offer new efficiency-increasing possibilities in many applications, including credit scoring. Yet, the increasing sophistication of machine-learning models in use raises concerns regarding many of their aspects, explainability notwithstanding. We review the relevant EU legal background and integrate this review with insights from technical sciences to interpret relevant legal provisions in the light of technological possibilities. We reject the narrow interpretations of the right to explanation and suggest the broad one, which encompasses not only a technical explanations but also a legal justification as the only one that allows to safeguard the creditors rights in an operative manner.
Journal refŁ. Górski, Against Explainable Artificial Intelligence In Law: Why Justifiable Ai Matters. A Credit Scoring Example, Studia Iuridica 2026, 110, No. 1, pp. 107 - 127
DOI：10.31338/2544-3135.si.2025-110.7
