智能投资顾问发展的法律困境与规制路径

The Legal Dilemma and Regulatory Paths of the Development of the Intelligent Investment Consultant

介绍了智能投资顾问的涵义和国内外发展现状,对这一新技术金融工具在监管制度、主体资格和责任承担等方面面临的法律困境展开探讨。认为完善相关法律规制是实现智能投资顾问健康发展的必由之路,包含借鉴现有资格监管法律规定、界定其本质属性、揭示与管控运行风险、强化运营方义务、健全纠纷解决机制和完善法律规则体系等实践方向。

Based on the introduction to the connotation and the current development of intelligent investment consultants,the paper explores the legal dilemma of this new technological financial instrument in the regulatory system,the subjective qualifications,and its responsibility.The conclusion is drawn that the improvement of relevant laws and regulations is the only guarantee of the healthy development of the intelligent investment consultant.The detailed measures can be referring to the existing legal regulations on qualification supervision,defining its essential attributes,revealing and controlling operating risks,strengthening the obligations of the operator,improving the dispute resolution mechanism,and improving the legal system.