金融科技平台垄断式算法价格歧视的消费者信息权优化  

The Optimization of Consumer Information Rights Infringed by Monopolistic Algorithmic Price Discrimination on Financial Technology Platforms

作　　者：程雪军 CHENG Xuejun

机构地区：[1]同济大学法学院

出　　处：《西北工业大学学报(社会科学版)》2025年第2期144-151,共8页Journal of Northwestern Polytechnical University(Social Sciences)

基　　金：教育部人文社科研究青年基金项目“金融科技平台数据垄断的系统治理研究”(23YJC820005)。

摘　　要：近年来,各类算法技术应运而生并与金融服务行业融合,促进金融科技平台创新发展,但也带来了算法价格歧视,包括理性式与垄断式算法价格歧视。从消费者视角看,金融科技平台利用算法技术,对消费者实施垄断式算法价格歧视,严重侵害了消费者信息权。基于信息理论研究视角,金融科技平台垄断式算法价格歧视对消费者信息权的侵害集中体现为信息获取权、自主选择权、个人信息权,而且呈现出侵害方式复杂性、侵害内容三重性、侵害主体偏向性的特点。结合欧美金融科技平台算法价格歧视的消费者信息权优化经验及其本土化规制现状,我国有必要全面优化金融科技平台垄断式算法价格歧视下消费者信息权的规制。Recently,various algorithmic technologies have emerged and integrated with the financial services industry,promoting the innovative development of fintech platforms,but also bringing about algorithmic price discrimination,including rational and monopolistic algorithmic price discrimination.From consumers'perspective,fintech platforms use algorithmic technology to impose monopolistic algorithmic price discrimination on consumers,seriously infringing on their right to information.From the standpoint of information theory research,the infringement of consumer information rights by monopolistic algorithmic price discrimination on financial technology platforms is mainly reflected in the rights to information acquisition,independent choice,and personal information.It presents the characteristics of complex infringement methods,triple infringement content,and biased infringement subjects.Based on the experience of optimizing consumer information rights under algorithmic price discrimination on financial technology platforms in Europe and America,as well as the current situation of localized regulation,it is necessary for China to comprehensively optimize the regulation of consumer information rights under price discrimination in fintech platform algorithms.

关 键 词：金融科技平台 垄断式算法价格歧视 消费者 信息理论 消费者信息权 

分 类 号：D922.294[政治法律—经济法学]