生成式人工智能嵌入数字金融平台的算法权力风险及规制进路  

The Algorithmic Power Risks and Regulatory Approaches of Generative Artificial Intelligence Embedded in Digital Financial Platforms

作　　者：程雪军 CHENG Xuejun

机构地区：[1]同济大学法学院 [2]同济大学经济法治研究中心

出　　处：《法治研究》2025年第2期32-41,共10页Research on Rule of Law

基　　金：教育部人文社会科学研究青年基金项目“金融科技平台数据垄断的系统治理研究”(项目编号:23YJC820005)阶段性成果。

摘　　要：以ChatGPT为代表的大模型横空出世,激活了生成式人工智能的发展动能,驱动着数字金融平台的新模式发展、新技术应用与新产品研发。但是,生成式人工智能具有内在的技术缺陷,导致数字金融平台从算法应用向算法权力风险嬗变。从量化投资平台案例切入,深度研判生成式人工智能下数字金融平台算法权力的形成机理,基于平台运营过程概括算法权力风险,集中体现为侵害其他平台经营者合法权益的算法垄断风险、侵害消费者私权利的算法霸权风险、侵害社会公共利益的系统性金融风险;通过理论研究与比较研究方法,从公共利益理论剖析数字金融平台算法权力风险的规制基础,解构欧美地区的风险规制进路经验。在生成式人工智能场景下,我国可以从算法公平、公开透明、公正问责层面建构数字金融平台算法权力风险的规制进路:通过多元规制防范数字金融平台的算法垄断风险,通过算法公开透明遏制数字金融平台的算法霸权,完善数字金融平台的算法公正及其问责。The emergence of large models represented by ChatGPT has activated the development momentum of generative artificial intelligence,driving the development of new models,new technology applications,new product research,and the development of digital financial platforms.However,generative artificial intelligence has inherent technical flaws,leading to the transformation of digital financial platforms from algorithm application to algorithmic power risks.Starting from the case of quantitative investment platforms,this paper deeply analyzes the formation mechanism of algorithmic power in digital financial platforms under generative artificial intelligence.Based on the platform operation process,the risks of algorithmic power are summarized,which are mainly reflected as algorithmic monopoly risks that infringe on the legitimate rights and interests of other platform operators,algorithmic hegemony risks that infringe on consumers'private rights,and systemic financial risks that infringe on social public interests.Through theoretical and comparative research methods,this paper analyzes the regulatory basis of algorithmic power risks in digital financial platforms from the perspective of public interest theory and deconstructs the risk regulation approaches and experiences in Europe and America.In the context of generative artificial intelligence,China can construct a regulatory approach for the algorithmic power risk of digital financial platforms from the perspectives of algorithmic fairness,openness and transparency,and fair accountability:Preventing algorithmic monopoly risks in digital financial platforms through diverse regulations,curbing algorithmic hegemony in digital financial platforms through algorithmic openness and transparency,and improving algorithmic fairness and accountability in digital financial platforms.

关 键 词：生成式人工智能 数字金融平台 算法权力风险 风险规制 算法问责 

分 类 号：D922.29[政治法律—经济法学] D922.28[政治法律—法学]