我国智能投顾开展的法律挑战及应对

Legal Challenges and Countermeasures of Intelligent Investment in China

人工智能的发展正逐渐深入各行各业,金融科技处在初步发展阶段,目前尚无统一定义,在实践应用中有不同的分类,比如支付结算、存贷款与资本筹集、金融投资管理、金融市场设施等。智能投资顾问作为其中“金融投资管理”类的典型产物也凭借其低成本、便捷性、智能化等诸多优势逐渐被市场所认可,在为我国传统金融领域注入活力的同时,也带来了法律关系的巨大变化和随之而来的法律、技术风险。应当进一步完善智能投顾准入标准,进一步完善智能投顾发展的制度环境,明确义务责任承担标准,加强信息披露和客户画像。

The development of artificial intelligence is gradually deepening into all walks of life,and financial technology is in the initial development stage.There is no unified definition at present,and there are different classifications in practical application,such as payment and settlement,deposit and loan and capital raising,financial investment management,financial market facilities,etc.As a typical product of"financial investment management",intelligent investment consultants are gradually recognized by the market because of their low cost,convenience,intelligence and many other advantages.While injecting vitality into China's traditional financial field,they also bring about great changes in legal relations and consequent legal and technical risks.We should improve the access standards for intelligent investment,further improve the institutional environment for the development of intelligent investment,clarify the standards for undertaking obligations and responsibilities,and strengthen information disclosure and customer portraits.