摘要
智能投顾作为金融科技背景下的新型服务模式,在我国的发展面临法诸多障碍,如业务所需牌照门槛高、业务范围受限、法律性质不明确等方面。针对智能投顾存在的风险,需提高其信息披露水平、严格投资者适当性管理以及应用监管科技等手段加强对投顾算法的审查和检测,以有效避免可能造成的不利影响。
As a new service mode under the background of financial science and technology,Robot-Advisor faces many obstacles in the development of our country,such as high threshold of business license,limited business scope,unclear legal nature and so on.In view of the risks of Robot-Advisor,it is necessary to improve the level of information disclosure,strict investor suitability management and the application of regulatory technology to strengthen the examination and detection of investment advisers'algorithms,so as to effectively avoid the possible adverse effects.
作者
胡旭出
HU Xu-chu(Taian Central Branch of the People's Bank of China,Taian Shandong 271000)
出处
《数字技术与应用》
2019年第11期219-220,共2页
Digital Technology & Application
关键词
智能投顾
现状
建议
Robot-Advisor
present situation
proposal