摘要
随着金融科技不断发展,智能投资顾问进入资本市场并逐渐占据了重要地位。过去我国一直将智能投顾看作投资咨询顾问,但结合域外实践经验和技术发展趋势,应当认识到未来智能投顾的本质是以资产管理为主、投资顾问为辅的二元格局。在此理论基础上,通过学习借鉴澳大利亚、美国、英国等国家和我国香港、台湾地区的智能投顾监管经验,我们需从在现行立法中增添人工智能相关元素、引入监管科技进行“穿透式监管”、设立独立智能投顾监管机构、运用监管沙盒探索监管边界和保障投资者交易安全等方面入手,完善智能投顾监管路径,促进其良性发展。
With the continuous development of financial technology,intelligent investment advisors have entered the capital market and gradually occupied an important position.In the past,China has always regarded intelligent investment advisors as investment consultants.However,considering the practical experience and technological development trends beyond the domain,it should be recognized that the nature of future intelligent investment advisory is a dualistic structure of asset management and investment consultation,primarily the former.On the basis of this theory,through learning from the experience of intelligent investment advisory supervision in Australia,the United States,the United Kingdom,Chinese Hong Kong and Chinese Taiwan needs to start by adding artificial intelligence-related elements to the current legislation,introducing regulatory technology for "penetrating supervision",establishing an independent intelligent investment advisory regulator,using the regulatory sandbox to explore regulatory boundaries,and ensuring investors’ transaction security,aiming to optimize the supervision path of intelligent investment advisory,and to promote its benign development.
作者
王波
陈孝莉
WANG Bo;CHEN Xiaoli
出处
《西北工业大学学报（社会科学版）》
2021年第2期104-111,共8页
Journal of Northwestern Polytechnical University(Social Sciences)
基金
中国博士后科学基金第59批面上资助项目(2016M592630)。
关键词
智能投顾
资产管理
监管路径
Intelligent investment advisory
asset management
supervision path
