人工智能金融领域应用伦理风险及其法律治理  

Ethical Risks and Legal Governance in the Application of Artificial Intelligence in the Financial Field

作　　者：江军 李牧翰 Jiang Jun;Li Mu-han(Xiangtan University,Xiangtan 411199;Hunan University,Changsha 410082,China)

机构地区：[1]湘潭大学法学院,湖南湘潭411199 [2]湖南大学法学院,湖南长沙410082

出　　处：《江西财经大学学报》2025年第1期127-136,共10页Journal of Jiangxi University of Finance and Economics

基　　金：湖南省知识产权战略推进专项项目“马栏山视频文创产业数字视频著作权保护与法律风险防范研究”(2023F004K);中国博士后科学基金面上资助项目“金融业务智能化中系统性风险法律治理研究”(2024M760865)。

摘　　要：虽然人工智能在传统金融业务范畴中引发了颠覆性的变革,但其作为新型科学技术因素,在金融领域也造成了较为复杂的社会矛盾。人工智能的技术逻辑与现实中的伦理逻辑之间存在冲突,并且与相应的金融制度和监管机制之间存在不协调之处,形成了与传统金融领域中不同表现的伦理风险。人工智能的技术内核包括大数据、算法和自动化决策三个层面;上述技术内核在理论上对传统的金融理性等伦理基础造成了一定的损害;智能技术造成了金融消费者隐私权侵害、自决权代替、法律责任不明等影响。由此可见,人工智能金融伦理风险需要从法律层面切入进行现实化和根源化的解决。为此,应当对人工智能技术的应用实施限制、对大数据基础进行审核、对算法进行有效的监测,以完成对人工智能伦理风险进行规避和控制。Although artificial intelligence has triggered disruptive changes in the traditional financial business,as a new scientific and technological factor,it has also caused complex social conflicts in the financial field.There is a conflict between the technological logic of artificial intelligence and the ethical logic in reality,and there is a lack of coordination between it and the corresponding financial system and regulatory mechanisms,resulting in ethical risks that differ from those in the traditional financial field.The technological core of artificial intelligence includes three levels:big data,algorithms,and automated decision-making.The above-mentioned technological core has caused certain damage to traditional ethical foundations such as financial rationality in theory.The intelligent technology has caused impacts such as infringement of financial consumers'privacy rights,substitution of self-determination rights,and unclear legal responsibilities.It can be seen that the ethical risks of artificial intelligence in financial sector need to be addressed from a legal perspective for practical and root causes.Therefore,restrictions should be imposed on the application of artificial intelligence technology,big data foundations should be reviewed,and algorithms should be effectively monitored,so as to avoid and control the ethical risks of artificial intelligence.

关 键 词：人工智能 伦理风险 金融科技 算法 自动决策 

分 类 号：D922[政治法律—法学]