互联网消费金融风险的法律规制:基于风险体系化的视角  

The Legal Regulation of Internet Consumer Financial Risk:Based on the Perspective of Risk Systematization

作　　者：程雪军 Cheng Xuejun

机构地区：[1]同济大学法学院 [2]同济大学经济法治研究中心

出　　处：《兰州学刊》2024年第1期75-91,共17页

基　　金：国家重点研发计划青年科学家项目“智能合约与法律的创新理论及方法”(项目编号:2022YFB2701800);上海市哲学社会科学规划项目“金融科技公司算法风险的系统治理研究”(项目编号:2022EFX001);教育部人文社会科学研究青年基金项目“金融科技平台数据垄断的系统治理研究”(项目编号:23YJC820005)。

摘　　要：互联网与大数据等信息技术促进了互联网消费金融的创新发展,但也带来了诸多风险。当前学术界主要从非法学角度对互联网消费金融风险划分,并没有从法学角度对其进行广覆盖、深视角的划分。依据法学视野下的“主客体关系”分析方法,可以将互联网消费金融风险体系划分为主体风险与客体(行为)风险,前者包括经营者适格性风险与消费者适格性风险,后者包括经营者不正当竞争风险与消费者信用违约风险。通过充分借鉴域外不同法系国家(英国、美国、加拿大、德国、日本、韩国)互联网消费金融风险的法律规制经验,从法律规制体系与法律规制路径层面,全面构建我国互联网消费金融风险的法律规制。The deepening of information technology such as the Internet,big data and artificial intelligence,has greatly promoted the innovative development of Internet consumer finance,but it also brought many risks.However,at present,the Internet consumer financial risk is mainly divided from the perspective of illegality,but not from the perspective of law.Based on the analysis method of“the relationship between subject and object”from the perspective of law,the Internet consumer financial risk can be systematized and deconstructed into subject risk and object(behaviour)risk.The former includes operator eligibility risk and consumer eligibility risk,and the latter includes operator’s unfair competition risk and consumer’s default credit risk By fully drawing on the experience of legal regulation of Internet consumer financial risk in different legal systems abroad(the United Kingdom,the United States,Canada,Germany,Japan and South Korea),this paper comprehensively constructs the legal regulation of Internet consumer financial risk in China from the perspective of legal regulation system and legal regulation path.

关 键 词：互联网消费金融 法律规制 金融风险 金融科技 规制体系 

分 类 号：D922.28[政治法律—经济法学]