跨越鸿沟:数智金融信息公平利用的困境与出路  

Crossing the Chasm:Dilemmas and Ways Forward in the Equitable Utilization of Digital Intelligence Finance Information

作　　者：赵畅 Zhao Chang(Economic Law School,East China University of Political Science and Law,Shanghai 201620,China)

机构地区：[1]华东政法大学经济法学院,上海201620

出　　处：《金融发展研究》2024年第11期80-87,共8页Journal Of Financial Development Research

基　　金：司法部法治建设与法学理论研究部级科研项目“利益衡量视角下数字人民币的个人信息保护研究”(22SFB5049)。

摘　　要：数智金融强调通过数智技术的应用对金融业进行动态赋能,是数字金融的最新发展阶段。然而,在数智金融实践中,金融经营者利用人工智能技术限制信息访问、生成虚假信息、进行信息歧视、发布大量无关信息造成信息迷雾等一系列创新异化现象,已经严重阻碍了数智金融信息公平利用的实现。实际上,在数智金融时代,信息公平利用作为金融市场运行的价值底座并未发生改变,其仍然是金融社会功能的具体表现之一。对此,有必要深入剖析权利(力)失衡对数智金融信息公平利用的阻碍以及信息披露作为主要监管机制的逻辑瑕玷。在此基础上,廓清数智金融信息公平利用内蕴的三重维度,即信息获取的机会公平以及信息利用的过程公平和结果公平,从而进一步优化数智金融市场的信息结构,加强个人投资主体的信息权能,规范金融交易活动的信息行为,最终实现金融信息公平利用。Digital intelligence finance emphasizes the dynamic empowerment of the financial industry through the application of digital technologies and is the latest stage in the development of digital finance.However,a series of innovative alienation phenomena,such as the use of AI technology by financial operators to restrict access to information,generate false information,discriminate against information,and release a large amount of irrelevant information to create an information fog,have seriously impeded the realization of the fair use of digital financial information in digital financial practice.In fact,in the era of digital intelligent finance,the fair utilization of information as the value base for the operation of financial markets has not changed,and it is still one of the specific manifestations of the social function of finance.In this regard,it is necessary to analyze in depth the impediments of rights(power)imbalances to the fair use of information in digital finance,as well as the flaws in the logic of information disclosure as a primary regulatory mechanism.On this basis,the three dimensions of the fair use of digital financial information are clarified,i.e.,the fairness of the opportunity to obtain information,the fairness of the process and the fairness of the result of the information use,so as to further optimize the information structure of the digital financial market,strengthen the information power of the individual investment subjects,regulate the information behavior of financial transactions,and ultimately realize the fair use of financial information.

关 键 词：数智金融 生成式人工智能 投资者 信息利用 金融公平 

分 类 号：F832[经济管理—金融学]