摘要
智能投顾是智慧金融的典型形式之一。本文对智能投顾的定义进行界定,并分析了智能投顾面临的法律挑战,通过域外沙盒的实践分析,总结其对我国智能投顾监管的启示,提出了应借鉴域外监管沙盒机制经验,将智能投顾纳入监管沙盒机制,由金融委作为主要监管主体。首先,建立综合性监管框架;其次,在沙盒内给予智能投顾有限授权;第三,对智能投顾提出更高的义务要求,严格履行适当性义务;最后,在沙盒内建立强制保险与投资者保护基金制度,保护投资者利益。
Robo advisor is one of the typical forms of intelligent finance.In this paper,the robo advisor's function should been redefined,and analyzes robo advisor's legal challenges,.By analyzing the sandbox which has been performed in British,summarizes its enlightenment on robo advisor regulation in our country,we should learn experience of outside regulatory sandbox mechanism,robo advisor should be regulated in sandbox mechanism,the finance committee is the main regulatory body.First,building a comprehensive regulatory framework;Secondly,give limited authorization to robo advisor in sandbox mechanism.Thirdly,robo advisor should undertake higher obligation so that strictly fulfill the obligation of appropriateness.Finally,the compulsory insurance and investor protection fund system should be established in the sandbox to protect the interests of investors.
作者
夏俊
Xia Jun(School of Law,An Hui University,Anhui Hefei 230601)
出处
《福建金融管理干部学院学报》
2020年第1期50-58,共9页
Journal of Fujian Institute of Financial Administrators
关键词
金融科技
金融风险
智能投顾
监管沙盒
Financial Technology
Financial Risk
Robo-advisor
Regulatory Sandbox