数字金融的算法风险及其法律规制  

Algorithm Risk of Digital Finance and Its Legal Regulation

作　　者：杨松[1,2] 周楠 YANG Song;ZHOU Nan(Law School Liaoning University,Shenyang 110136,Liaoning;College of Law,Shenyang Normal University,Shenyang 110044,Liaoning)

机构地区：[1]辽宁大学法学院,辽宁沈阳110136 [2]沈阳师范大学法学院,辽宁沈阳110044

出　　处：《陕西师范大学学报（哲学社会科学版）》2024年第2期40-54,共15页Journal of Shaanxi Normal University(Philosophy and Social Sciences Edition)

摘　　要：算法与金融的深度融合是金融产业数字化转型的关键驱动力,但同时也引发了算法歧视、算法权力、算法共谋、算法趋同等一系列新型风险。这些风险具有隐蔽性、系统性和根源多样性的特征,导致传统金融法制在法律主体、调整对象、算法权利、算法责任等方面表现出局限性。究其根源,在于算法黑箱削弱了金融消费者和监管者的风险识别和防范能力,并导致算法责任追究困难。因此,对数字金融算法风险的法律规制应以算法黑箱为切入点,以促进算法发展和防范算法风险统筹为目标,以算法透明性为基本原则,确保透明是合理的、有意义的且具有层次差异。在法律主体方面,应加强监管部门的专业性和协调机制,引入多方主体协同共治;在调整对象方面,应对算法本体和参与主体进行双维规制;在算法权利方面,应加强金融消费者数据保护与算法规制的衔接;在算法责任方面,应构建以算法设计与应用监管并重的双层监管结构,以确保数字金融算法安全可信的实现。The deep integration of algorithms and finance is the key driver of the digital transformation of the financial industry,but it also raises a series of new risks such as algorithm discrimination,algorithm manipulation,and algorithm convergence.These risks are characterized by concealment,systematicness,and diverse roots,leading to limitations in traditional financial rule of law in terms of regulation subjects,regulation objects,algorithm rights,and algorithm responsibilities.The root cause lies in the fact that the“black box”of algorithms weakens the ability of financial consumers and regulators to identify and prevent risks,and leads to difficulties in allocating responsibilities.Therefore,the legal regulation of digital financial algorithm risks should take the“black box”of algorithms as the breakthrough point,balance the value conflicts in the“black box”.To promote the development of algorithms and prevent algorithm risks,we should aim at balancing the overall development goals,taking algorithmic transparency as the basic principle,and ensuring that transparency is reasonable,meaningful,and multi-level.In terms of regulation subjects,we should strengthen the professionalism and coordination mechanism of regulatory authorities from a horizontal perspective,and introduce multi-party subject collaborative governance from a vertical perspective.For regulation objects,we should carry out two-dimensional regulation of algorithm ontology and participating subjects.In terms of algorithm rights,we should strengthen the connection between financial consumer data protection and algorithm regulation.In terms of algorithm responsibilities,we should build a dual-level regulatory structure that focuses on both algorithm design and application supervision to ensure the safe and trustworthy implementation of digital financial algorithms.

关 键 词：数字金融 算法黑箱 算法透明 算法权利 算法责任 

分 类 号：D922.28[政治法律—经济法学]