金融科技伦理规制的基本法理与制度化构造  

Basic Legal Theory and Institutional Structure of Fintech Ethical Regulation

作　　者：唐士亚 张巍瑜 TANG Shiya;ZHANG Weiyu(School of Law,Fuzhou University,Fuzhou 350116,China)

机构地区：[1]福州大学法学院,福建福州350116

出　　处：《北京邮电大学学报（社会科学版）》2022年第6期21-27,共7页Journal of Beijing University of Posts and Telecommunications(Social Sciences Edition)

基　　金：福建省社会科学基金青年项目(FJ2021C030);福建省中青年教师教育科研(社科类)一般项目(JAS21012);福建省创新战略研究项目(2022R0015)。

摘　　要：金融科技伦理规制通过伦理道德标准与行为规范来引导与约束金融科技主体履行市场义务并从事善意利他行为。金融科技伦理规制作为一种“软规制”范式,在《金融科技发展规划(2022—2025年)》这一顶层设计文件中得到监管层面的确认。囿于金融科技企业的数据垄断、金融科技“算法黑箱”和管制型金融分业监管等因素,金融科技在数据规制、算法规制和平台交易规制等领域存在诸多伦理失范现象。为寻求金融科技伦理规制在“伦理性”与“法律化”之间的合理平衡并实现制度化构造,可行方案是构建“政府+企业+行业自律组织+社会公众”的复合型金融科技伦理治理体系,利用监管沙盒进行金融科技伦理运行测试,建立金融科技企业伦理的自我审查评估,并促进金融科技底线型伦理规则向法制规则的转化。Fintech ethical regulation guides and constrains fintech entities to fulfill market obligations and engage in goodwill altruistic behavior through ethical standards and behavioral norms.As a paradigm of“soft regulation”,fintech ethical regulation has been confirmed at the regulatory level in the document of“Fintech Development Plan(2022—2025)”.Constrained by the data monopoly of fintech companies,the“algorithmic black box”of fintech,and the regulation of financial divisions,fintech has much ethical anomie in the fields of data regulation,algorithm regulation,and platform transaction regulation.In order to seek a reasonable balance between“ethics”and“legalization”of fintech ethical regulation and achieve institutionalized construction,a feasible solution is to build a compound fintech ethical governance system of“government+enterprise+industry self-regulatory organization+the public”,use the regulatory sandbox to conduct fintech ethical operation tests,establish ethical self-examination and evaluation of fintech enterprises,and promote the transformation of fintech bottom-line ethical rules into legal rules.

关 键 词：金融科技 伦理失范 伦理规制 制度构造 

分 类 号：D922.28[政治法律—经济法学]