智能理财行业风险的法律应对

Legal Response to Risks in Intelligent Financial Management Industry

以智能理财为代表的金融创新行为值得鼓励,该行业对社会和经济产生了巨大的推动力,使得各国政府都愈发重视。由于智能理财业务模式的创新,其区别于传统投资顾问的新特征也随之出现,这种变化必将给金融行业传统的风险规制带来新的课题:监管者如何区配新的风险规制路径?要让智能理财行业实现良性发展,首先需要清楚地认识到其所具有的金融风险、技术风险和法律风险,并明确其规制路径予,让监管主体有效发挥职能。具体来说,首先需要完善信息披露制度、强化风险提示机制,完善信用体系等资本市场相关制度;其次需要强化市场准入与牌照管理,健全合格投资者制度等准入门槛;最后还需要将穿透式监管、全过程监管、科技监管等新型监管模式贯穿其中。

The financial innovation represented by Intelligent Financial management is worthy of encouragement. The industry has a tremendous impetus to society and economy,which makes governments pay more attention to it. As a result of the innovation of the bu siness model of intelligent financial management,In order to make the intelligent financial management industry develop healthily,we need to clearly recognize its financial risk,technical risk and legal risk. At the same time,we need to clarify the regulatory path so that the supervisor can effectively play its role. First,we need to improve the information disclosure system,strengthen the risk prompting mechanism,and improve the credit system. Secondly, we need to strengthen the market access and licence management,improve the QFI system and other access thresholds. Finally,we need to penetrate new regulatory models,such as penetrating supervision,process supervision,science and technology supervision.