摘要
在算法与金融不断融合的背景下,算法应用在金融领域的适用不仅拉长了整个金融服务链条,金融交易行为也部分实际被前置于算法的设计研发阶段,金融消费者的信赖对象随之发生变化,并引发传统信义义务在金融领域如何扩张以及扩张边界的相关问题。面对科技变革带来的金融创新,一方面,应充分考量算法决策的干预因素,结合穿透原则进一步明晰信义义务的责任主体,并健全相应的法律问责机制;另一方面,应结合金融领域算法治理的共性与个性特点,在明确总体治理思路的前提下,根据对应金融业务的不同模式和主体所处的不同角色,对信义义务的具体内容和责任分配作差异化构造。
Under the background of the continuous integration between algorithm and finance, the application of algorithm in the financial sector not only stretches the whole financial service chain,but part of the financial transactions is actually placed at the design and development stage of the algorithm, thereby the trust objects of financial consumers are changed. And it also brings the issues concerning the expansion of the traditional fiduciary duties in the financial sector and the expansion boundary. Faced with the financial innovations brought by scientific and technological changes, on the one hand, the intervention factors of algorithmic decision-making should be fully considered, the principle of penetration should be combined to further clarify the subject of responsibility of the fiduciary duty, and the relative legal accountability mechanism should be improved;on the other hand, it is necessary to combine the commonness and individuality of algorithmic governance in the financial field, and on the premise of clarifying the general governance thoughts, the specific contents and responsibility assignments of the fiduciary duties should be constructed differently according to the different models of financial business and the different roles of the main bodies.
作者
刘怿
LIU Yi(Wuhan University,Wuhan 430072,China)
出处
《江西财经大学学报》
CSSCI
北大核心
2020年第6期125-137,共13页
Journal of Jiangxi University of Finance and Economics
基金
司法部国家法治与法学理论研究项目“金融治理中的信息工具及其法律配置研究”(15SFB3031)。
关键词
信义义务
金融应用
算法权力
扩张边界
问责机制
fiduciary duty
financial application
algorithm power
border expansion
accountability mechanism
