人工智能技术发展背景下智能金融的法律风险及应对  

The Legal Risks of Intelligent Finance in the AI Technology Context and Responses

作　　者：陈燕红[1] Chen Yanhong

机构地区：[1]华北电力大学人文与社会科学学院

出　　处：《学术前沿》2020年第15期124-127,共4页Frontiers

摘　　要：随着人工智能技术的不断发展,以智能投顾为代表的智能金融逐步在证券投资领域应用。然而,目前智能投顾在证券投资领域的市场准入法律不明确,算法往往具有非透明性,全权委托的业务模式也与现行法律存在冲突,电子合同具有虚拟性和强势性等问题。因此,政府部门应明确智能投顾的市场准入条件,建立运营商的算法披露制度,确立全权委托业务的合法性,并建立电子合同备案制度。With the constant progress of the AI technology,itelligent finance represented by intelligent investment advising is gradually applied in the field of securities investment.However,at present,legal provisions are unclear about the market access of the intelligent investment advising.The algorithms used are often not transparent,the business model of discretionary entrustment is in conflict with the existing laws,and the electronic contract is virtual and aggressive.Therefore,the government departments should clarify the market access conditions for intelligent investment adv ising,establish an algorithm disclosure system of operators,confirm the legitimacy of discretionary business,and build an electronic contract filing systemn.

关 键 词：人工智能技术 智能金融 法律风险 

分 类 号：D922.28[政治法律—经济法学]