摘要
智能投顾是人工智能在金融行业应用的产物。在智能投顾中,智能投顾机器人是运营者提供投资顾问服务的工具,并不具有主体地位。因此,由投资顾问服务所产生的法律责任应由运营者承担。智能投顾的出现,并未改变投资者与投资顾问服务机构之间的法律关系,智能投顾运营者作为投资顾问服务机构仍应履行忠实义务与勤勉义务。不过,此时的忠实义务与勤勉义务在具体内容上应当有所更新。具体而言,运营者须对算法中的利益冲突进行披露,保障电子问卷设计的合理性和算法的有效性,并对智能机器人的运行进行监督与维护。最后,运营者违反忠实义务与勤勉义务须依法承担相应的民事责任,该责任属法定责任,责任的构成须具备存有智能投顾法律关系、违反信义义务之行为和投资者因信义义务之违反而受有损害三个基本要件。
The Robo-advisor is the outcome of the application of artificial intelligence in the field of finance. In the relationship related to the Robo-advisor,the Robo-advisor is only the tool used by their operators to provide service of investment consultancy,not enjoying the legal status of subject,which means that the civil liability caused by Robo-advisors should be taken by operators. The legal relationship between the investors and investment consultants has not been changed by the generation of Robo-advisor. As an investment consultants,the operator should perform the duty of loyalty and the duty of diligence as well. However,there is some renewal on the content of duty of loyalty and duty of diligence. To be specific,the operator should disclose the conflict of interest in arithmetic,ensure the rationality of questionnaire and the validity of arithmetic and maintain the Robo-advisor function well. As a conclusion,the operator should take responsibility for their violation of duty of fiduciary and duty of diligence,which is a kind of legal responsibilities and composed of three essentials,including the existence of legal relationship of Robo-advisor,the violence of fiduciary duties and the damage of investors caused by the violence of duty of fiduciary.
出处
《法学杂志》
CSSCI
北大核心
2018年第10期62-72,共11页
Law Science Magazine
基金
2018年中国政法大学青年教师学术创新团队资助项目(项目编号:18CXTD08)的阶段性成果
关键词
人工智能
智能投顾
信义义务
民事责任
artificial intelligence
robo-advisors
fiduciary duties
civil liabilities
