法律科技化解个人信用风险的困局及其突破

The Dilemma of Legal Technology in Solving Personal Credit Risks and Its Breakthrough

数字经济背景下,运用法律科技化解个人信用风险既关涉传统金融法治议题,又涉及金融科技应用中可能面临的立法、司法与合规衔接等前沿问题。对于这类新型困局,大致有三重维度值得讨论:催收与反催收的市场乱象,引发对银行合规风险防控机制源头治理的反思;法律科技助推司法效率大幅提升,引起正统法治主义者的质疑,推动私力救济朝公力救济转向;以这种转向为正当性基础,法律科技赋能个人信用风险化解的合法性也需补强。法律科技处于效率与公正的平衡点上,其化解个人信用风险的关键在于防范金融机构的道德风险,维护法院的公平裁量权,并坚持数据科技伦理法治化道路。

In the context of the digital economy,the use of legal technology in solving personal credit risks involves both the traditional financial rule of law issues,but also involves the legislation,judicial,compliance interface and other cutting-edge issues that may be met in the application of financial technology.For this new type of dilemma,there are roughly three dimensions worth discussing:the market chaos of collection and anti-collection,triggering reflection on the source governance of banks'compliance risk prevention and control mechanism;legal technology,boosting judiciary efficiency,causing suspicion of orthodox rule of law advocates and promoting the shift of private remedies towards public remedies.Based on the legitimacy of such a shift,the legitimacy of the legal technology-enabled personal credit risk mitigation also needs to be reinforced.Legal technology is at the balance point of efficiency and justice,and the key to solving personal credit risks with legal technology lies in preventing the moral hazard of financial institutions,maintaining the fair discretion of the court,and adhering to the rule of law of data technology ethics.