Simiao Ren, Xingyu Shen, Tommy Duong, Ankit Raj · 2026 · arXiv
DOI: 10.48550/arXiv.2610.30758 · open-access PDF
人工智能辅助编辑可以生成信贷文件,以保持已知的发行人布局,同时更改申请人的身份。我们调查了经验丰富的承包商和贷款处理者是否在首次通行,仅文件审查中识别了此类伪造行为。通过Upwork招募的三个从业人员每人收到一份申请人包,由144个伪造的PDF从47个真实的财务文件中获取。
Machine translation (Meta M2M100); the English original follows.
AI-assisted editing can produce loan documents that preserve familiar issuer layouts while changing the applicant's identity. We investigated whether experienced underwriters and loan processors identify such forgeries in first-pass, document-only review. Three practitioners recruited through Upwork each received one applicant package drawn from 134 forged PDFs derived from 47 genuine financial documents supplied with full consent. The edits preserved amounts, dates and balances; identifier inconsistencies introduced by the pipeline were knowingly retained before distribution. Reviewers were n
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