金融科技视阈下我国智能投顾监管制度的构建

The Construction of Regulations Concerning the RoboAdviser in China From the Perspective of Fintech

智能投顾是在金融科技兴起的背景下产生的一种新型投资顾问业务模式,其集大数据分析、人工智能等技术为一体,综合运用智能算法和理论模型为投资者定制个性化投资组合。虽然目前我国的智能投顾业务尚处萌芽阶段,但是假以时日其对整个资产管理行业的变革不可小觑。为了为其发展扫清障碍,防范智能投顾发展过程中的风险,需要在检视目前监管法规与智能投顾不兼容性的基础上,基于智能投顾的特点,构建我国智能投顾的监管制度。

Robo-adviser is a new type of investment consultancy business model which develops under the background of the improvement of finance and technology.It integrates large data analysis,artificial intelligence and Internet technology;utilizes intelligent algorithms and theoretical models to provide investors with personalized investment portfolio.Although China＇s robo-adviser business is still at a groping stage,its impact on the entire asset management industry can not be underestimated.In order to clear obstacles for its further development,it is necessary to view the regulatory path and perfect relevant supporting systems based on the characteristics of intelligent investment.