数字金融公平价值的实现路径研究

数字金融是传统金融经由数字技术的嵌入和驱动而形成的一种金融业态。金融公平是金融运行的价值准则之一,理应在数字金融中贯彻和遵循。但数字技术运用中的“算法歧视”“数字鸿沟”“信息茧房”等现象,会对数字金融公平价值的实现构成阻碍。消费者维度下金融消费者的数字能力提升,经营者维度下数字金融经营者企业社会责任的履行,技术维度下数字技术正义品格的塑造,是保障数字金融公平价值实现的规范原理。通过助推手段实现金融消费者数字能力的精准化、场景化补足,通过数字金融经营者内控义务的设定来保障数字技术运用的公平性,通过优化数字基础设施分布、提升数字金融的可信性和智能服务的易用性来保障数字金融的易得性,是数字金融公平价值现实展开的具体策略。

Digital finance is a new form of financial business shaped by the deep connection of traditional finance and digital technology.Financial fairness is one of the value criteria of financial operation,which should be implemented and followed in digital finance.However,the phenomena of‘algorithmic discrimination’,‘digital divide’and‘information cocoons’in the application of digital technology will inevitably impede the realization of the fair value in digital finance.The improvement of the digital capabilities of financial consumers in the consumer dimension,the fulfillment of corporate social responsibilities of digital financial operators in the operator dimension,and the shaping of justice characters of digital technology in the technical dimension are the normative principles to ensure the realization of fair value in digital finance.The specific strategies for actually developing fair value in digital finance lie in achieving the precision and scenic complementation of financial consumers’digital abilities through boosting means,safeguarding the fairness in the application of digital technology through setting internal-control obligations for digital financial operators,and ensuring the accessibility of digital finance through optimizing distributions of digital infrastructure and promoting the credibility of digital finance and the easy utilization of intelligent services.