生成式AI阶段金融科技数据合规的法律化因应  

Legalized Responses to Fintech Data Compliance in the Generative AI Stage

作　　者：罗世杰 贺国荣[2] Luo Shijie;He Guorong(School of Artificial Intelligence and Law,Southwest University of Political Science&Law,Chongqing 401120,China;Faculty of Public Administration,Sichuan Agricultural University,Chengdu 611130,Sichuan,China)

机构地区：[1]西南政法大学人工智能法律研究院,重庆401120 [2]四川农业大学公共管理学院,四川成都611130

出　　处：《金融发展研究》2023年第11期82-90,共9页Journal Of Financial Development Research

基　　金：国家社会科学基金重点项目“人工智能研发与应用风险治理的财税法协同机制研究”(21AFX021)。

摘　　要：随着生成式AI时代的到来,金融科技实现智能技术层面的飞跃即将成为现实,而风险治理制度层面的跟进尚未实现。生成式AI阶段金融科技数据风险的防范与规制应成为全新且热潮的法律课题,亟待以更先进、更全面的法律路径对其进行治理。立足生成式AI阶段金融科技的数据质量合规风险、隐私合规风险以及垄断合规风险,合规治理的法律化体系构建被赋予必要性与正当性。但由于其是一种新的法律提法,故而我国的生成式AI阶段金融数据合规体系的构建存在法律制度供给留白、行政引导与监管困境以及司法保护不敷三个层面的法律化障碍。应具有针对性地从立法指引、行政执法、司法运行三个层面实现其法律化体系构建的尝试与突破,但金融数据合规法律化不是生成式AI阶段金融科技数据风险治理的终点,而只是金融科技发展进程中风险治理的阶段性成果,其仍需更多法律化手段的出现。With the arrival of the generative AI era,it is about to become a reality for fintech to make the leap to the smart technology level,while the follow-through at the institutional level of risk governance has yet to materialize.The prevention and regulation of fintech data risks in the generative AI phase should become a new and hot legal topic,which urgently needs to be governed by a more advanced and comprehensive legal path.Data quality compliance risk,privacy compliance risk,and monopoly compliance risk of generative AI stage fintech,the legalized system construc‐tion of compliance governance is given necessity and legitimacy.However,because it is a new legal formulation,the construction of financial data compliance system in China's generative AI stage has three levels of legalization obstacles,namely,white space in the supply of legal system,dilemma of administrative guidance and supervision,and insuffi‐cient judicial protection.It should be targeted to achieve attempts and breakthroughs in the construction of its legaliza‐tion system from the three levels of legislative guidance,administrative enforcement and judicial operation,but the le‐galization of financial data compliance is not the end point of fintech data risk governance at the stage of generative AI,but only a stage-by-stage result of risk governance in the process of development of fintech,which still requires the emergence of more legalization means.

关 键 词：生成式AI 金融科技 数据合规 合规治理 合规法律化 

分 类 号：F830[经济管理—金融学]