Adopting Inclusive Legal Regulation for Digital Finance in the Context of Generative AI  

作　　者：Zeng Wenge Ren Tingyu 

机构地区：[1]Chongqing University

出　　处：《Contemporary Social Sciences》2025年第1期120-141,共22页当代社会科学(英文)

基　　金：funded by a general project of the National Social Science Fund of China“Research on the Construction of the Implementation Mechanism of the Paris Agreement under the Concept of a Community with a Shared Future for Mankind(Project No.:20BFX210)”;a Humanities and Social Sciences Special Project of the Fundamental Research Funds for the Central Universities“Research on Legal Issues and Countermeasures for Promoting High-Quality Green Development in the Belt and Road Region”(Project No.:2022CD-JSKPY28).

摘　　要：Driven by the dual forces of China’s financial powerhouse strategy and advancements in artificial intelligence,digital finance has experienced rapid growth,rendering traditional financial legal regulations inadequate to meet its regulatory demands.Key challenges include lagging legislative regulation,limited applicability of the standard regulations,and diminished effectiveness of the supervisory regulations.These challenges stem from the“single-entity”regulatory approach which is inadequate to meet its regulatory needs of mixed operations of digital finance,the misalignment between“static”administrative regulations and the dynamic evolution of financial technology(fintech),and the uneven allocation of regulatory resources,which constrain regulatory precision.To achieve a dynamic balance between the development of digital finance and its regulation,the adoption of inclusive legal regulation is imperative.The technological empowerment theory integrates the principles of finance with the“people-centered”concept and the social good,which thereby safeguards the rights and interests of digital finance consumers.As a pivotal standard for shaping inclusive legal regulation,digital justice should not only uphold fairness in the regulation of processes but also advance the organic integration of scenario-based justice and the principles of Law 3.0.In the future,China should foster multi-stakeholder collaborative governance to ensure the orderly allocation of the regulators’power.This effort should be supported by a comprehensive toolkit of technological regulations,which can dynamically balance incentive regulation with binding regulation while simultaneously enabling the efficient flow of regulatory resources within specific application scenarios.Such strategies would provide a viable pathway toward the goal of achieving inclusive legal regulation in digital finance.

关 键 词：generative artificial intelligence digital finance financial regulation inclusive legal regulation financial powerhouse 

分 类 号：F49[经济管理—产业经济] F832[政治法律—宪法学与行政法学] D922.16[政治法律—法学] D922.28