摘要
人工智能时代背景下,金融科技正在以前所未有的速度改变金融并不断挑战现行的监管思维、模式以及体制机制。当前金融科技的发展呈现出两个主要趋势:第一,大数据分析、机器学习和人工智能推动了变革的速度;第二,进入金融领域的后来者数量和类型不断增加,包括科技公司和互联网公司。这些公司的独特之处在于,它们有能力将其主要业务收集到的数据用于金融服务。因此,改变固有的金融监管理念,构建数字化监管应用的法制框架、创建用户权益保障机制等举措,是应对数据驱动科技金融的风控和监管的必要措施。
In the era of Artificial Intelligence,Financial Technology(FinTech)is changing finance at a remarkable pace and challenging existing regulatory paradigms,models,and institutional mechanisms.The current development of FinTech exhibits two trends:first,big data analytics,machine learning,and Artificial Intelligence are accelerating change;second,the financial sector continues to see an increase in more diverse types of newcomers including technology and Internet companies.What makes these companies unique is their ability to use data collected in their primary business for financial services.Therefore,changing the inherent financial supervision concept,building a legal framework for digital supervision and application,and creating a user’s rights protection mechanism are necessary measures to deal with the risk control and supervision of data-driven technology finance.
作者
陈振云
CHEN Zhen-yun(School of International Law,Shanghai University of Political Science and Law,Shanghai 201701,China)
基金
中国-上海合作组织国际司法交流合作培训基地研究基金项目(18SHJD012)
上海政法学院优秀留学回国科研创新计划(2017CX02)。
