智能投资顾问服务之法律风险承担

Legal Risk Bearing of the Intelligent Investment Advisory Service

智能投资顾问服务是指智能投顾运营者利用智能投顾向投资者提供投资建议或在投资者授权范围内为其进行资产管理,该服务法律属性为智能投顾运营者将智能投顾作为辅助工具向投资者提供投资顾问服务的合同法律关系。其中,智能投顾运营者与研发者之间系委托开发合同,与投资者之间系委托合同。在智能投资顾问服务中,智能投顾不可或缺,而由其引发的技术、操作、代理以及信息风险亦不可避免。由于智能投顾的客体属性,其背后的部署者才是上述风险的真正责任主体。投资者可以通过智能投顾研发者主张产品责任、向智能投顾运营者主张合同责任和侵权责任进行救济。

Intelligent investment advisory service refers to intelligent investment operators providing investment advice to investors or asset management within the scope of investors'authorization by using intelligent investment advisory,and its legal attribute is a contract legal relationship that the operators of intelligent investment advisory provide the intelligent investment advisory service to the investor by using intelligent investment advisory as an instrument.Among them,the relationship between the operator and developer of intelligent investment advisory is entrusted development contract,and the relationship between the operator and investor is commission contract.In intelligent investment advisory service,intelligent investment advisory is indispensable,and the technology,operations,agency and information risks caused by it are inevitable.However,due to the object nature of intelligent investment advisory,the deployer behind it is the real subject that shall bear the responsibility as mentioned earlier,and the investors can advocate product liability to the developer of intelligent investment advisory and claim contractual liability and tort liability to the operator of intelligent investment advisory.