摘要
数字金融背景下,金融科技在重塑金融服务模式的同时,也潜藏着系统性的法律风险。金融科技的法律风险源于其对法律规范与法律伦理的挑战,本质上是金融主体间权利义务关系的失衡以对金融公平价值的侵蚀,主要表现为法律伦理风险、权利极化风险、法律侵权风险、数据安全风险与责任归结风险五种基本类型。由于各类风险的内在症结不同,因此在选择治理策略时应注重差异化,分别构建与各风险类型相应的算法伦理框架、信息平权方案、权利救济机制、数据治理规则体系与责任分配机制,以实现金融科技风险的有效治理。
In the context of digital finance,while financial technology reshapes the financial service model,it also hides systematic legal risks.The legal risk of financial technology originates from its challenge to legal norms and legal ethics,which is essentially the imbalance of rights and obligations between financial subjects and the erosion of financial fair value.It is mainly manifested in five basic types:legal ethics risk,right polarization risk,legal infringement risk,data security risk and responsibility attribution risk.Because the inherent crux of various risks is different,we should pay attention to differentiation when choosing governance strategies,and construct algorithm ethics framework,information equality scheme,right relief mechanism,data governance rule system and responsibility allocation mechanism corresponding to each risk type respectively,so as to realize the effective governance of financial technology risks.
作者
孙庆春
SUN QINGCHUN(Law School Shandong Normal University,Jinan Shandong 250358,China)
基金
2022年度济南市哲学社会科学规划项目“金融科技风险治理路径研究”(JNSK22C100)
司法部2021年度法治建设与法学理论研究课题“数字治理法治化研究”(21SFB4004)阶段性成果
2018年国家社会科学基金重大项目(18ZDA142)“民事司法智能化设计的理论方案研究”。
