我国智能投顾行政规制路径转变之思考  

Thinking on the Path Transformation of Intelligent Investment Administrative Regulation in China

作　　者：李巍涛[1] 刘丹 Li Weitao;Liu Dan(School of Law,Beijing Jiaotong University,Beijing 100044,China)

机构地区：[1]北京交通大学法学院,北京100044

出　　处：《大理大学学报》2024年第3期93-100,共8页Journal of Dali University

基　　金：北京社会科学重大项目(22LLFXA026);中央高校基本科研业务费专项资金资助项目(2022YJS002)。

摘　　要：智能投顾是一项深具金融科技代表性的金融服务,随着依托银行业金融机构的相关业务暂停服务,服务平台全部被叫停。从行政监管角度分析,“机构”监管模式不适应智能投顾发展,“命令-控制”监管形式下法律监管制度滞后,“确定性”规则的适用限缩智能投顾功能。国家机构改革完成了智能投顾行政规制路径转变的第一步,通过从“机构”监管到“功能”监管等综合性监管方向的转变,“命令-控制”型到“实验”型规制形式的转变,“确定性”规则到“包容性”原则规范理念的转变,进一步为完善智能投顾行政规制路径转变提供新思路。Intelligent investment advisory is a representative financial service of fintech.As the relevant businesses relying on banking financial institutions are suspended,all service platforms have been suspended.From the perspective of administrative supervision,the"agency"supervision mode is not suitable for the development of intelligent advisory services,the legal supervision system lags behind under the"command-control"supervision form,and the application of"deterministic"rules limits the function of intelligent advisory services.The reform of national institutions has completed the first step of the transformation of the administrative regulation path of intelligent investment care,through the transformation of comprehensive regulatory direction from"institutional"supervision to"functional"supervision,the transformation of"command-and-control"regulation form to"experimental"regulation,and the transformation of"deterministic"rule to the"inclusive"principle normative concept,so new ideas are further provided for improving the transformation of the intelligent investment advisory administrative regulation path.

关 键 词：智能投顾 行政规制 功能监管 实验型监管 包容性监管 

分 类 号：D922.17[政治法律—宪法学与行政法学]