关于构建金融科技伦理治理体系的思考与建议

Thoughts and Suggestions on Constructing the Ethical Governance System of Financial Science and Technology

随着金融科技的快速发展以及在各个领域的深入运用,数据滥用、算法歧视、数字鸿沟等伦理道德问题不断涌现,影响了行业的健康发展。金融科技伦理是金融科技领域的伦理准则和道德规范,在金融科技发展明显快于法制体系建设的背景下,亟须加快推动金融科技伦理治理体系建设,发挥其柔性与规范作用。建议从伦理视角审视金融科技的发展路径,构建政府层面的金融科技伦理准则、行业层面的伦理自律机制、企业层面的常态化行为规范,助力金融科技实现合规、向善发展。

With the rapid development of financial technology and its in-depth application in various fields, ethical and moral problems such as data abuse, algorithm discrimination and digital divide continue to emerge, affecting the healthy development of the industry. Financial science and technology ethics is the ethical norms and moral norms in the field of financial science and technology. Under the background that the development of financial science and technology is significantly faster than the construction of legal system, it is urgent to accelerate the construction of financial science and technology ethics governance system and give full play to its flexibility and normative role. It is suggested to examine the development path of financial technology from an ethical perspective, build the financial technology ethical standards at the government level, the ethical self-discipline mechanism at the industry level,and the normalized code of conduct at the enterprise level, so as to help financial technology achieve compliance and good development.