算法背景下金融消费者信息权保护的制度应对

Institutional Response to the Protection of Financial Consumer Information Rights in the Context of Algorithms

算法影响着金融消费者的认知、判断和决策过程,可能会对金融消费者信息权保护产生不利影响。当前算法背景下金融消费者权益尤其是信息权的保护面临新挑战,金融消费者可能因算法错误或偏见遭受不公平待遇,而现有的法律和监管框架未能充分应对这些挑战。尽管我国对金融消费者信息权已经建立了初步的法律治理体系,但明显存在着诸如立法规制不足、未尽到全面保护职责、配套制度有偏差等问题。建议从明确权利边界与责任归属的立法体系健全功能性监管机制的监管创新角度出发,平衡行业发展和技术应用,防范化解金融风险,提升金融消费者信心,维护社会公平正义。

Algorithms affects the cognition,judgment,and decision-making processes of financial consumers,which may have adverse effects on the protection of their information rights.Under the background of the current algorithm,the interests protection of financial consumer rights,especially information rights faces new challenges,The financial consumers may be treated unfairly due to algorithmic errors or biases,and the existing legal and regulatory frameworks have not fully addressed these challenges.Although China has established a preliminary legal governance system for the rights of financial consumers'information,there are obvious issues such as inadequate legislative regulation,failure to fully fulfill the responsibility of comprehensive protection,and deviations in supporting systems.It is recommended to construct a legislative system that clarifies the boundaries of rights and responsibilities and establish a sound functional regulatory mechanism from the perspective of regulatory innovation,so as to balance industry development and technological application,prevent and resolve financial risks,enhance financial consumer confidence,and maintain social fairness and justice.