摘要
人工智能技术打造数字经济发展新引擎,智能投顾作为金融与科技相结合的产物,在为社会带来经济效益与个性化服务的同时,也连带着各类风险,如利益关联复杂化、自利行为隐蔽化、客户利益易损化等,且传统人工投顾下的信义义务体系无法在智能投顾模式中继续有效运作。囿于调查问卷收集信息不完整、交互式咨询与人类判断能力缺失、信息披露复杂难懂等方面的不足,智能投顾模式下信义义务的更新适用需从提升调查问卷的科学性和合理性、确保算法和程序的准确性和有效性、明确智能投顾运营者为直接信义义务承担者、保证智能投顾信息披露的有效性等层面进行调整。
Artificial intelligence technology creates a new engine for the development of digital economy.As a product of the combination of finance and science,robo-advisor brings economic benefits and personalized services to the society,but also carries various risks,such as the complexity of interest relationship,the concealment of self-interest behavior,and the vulnerability of customer interests.Moreover,the fiduciary duty system under the traditional financial advisor mode could not continue to operate effectively under the mode of robo-advisor.Due to the incomplete information collected in the questionnaire,the lack of interactive consultation and human judgment ability,and the complexity and incomprehension of information disclosure,the updating and application of fiduciary duty under the robo-advisor mode need to be adjusted as follows:improve the scientificity and rationality of the questionnaire,ensure the accuracy and effectiveness of algorithms and procedures,and clarify the robo-advisor operator as the direct fiduciary duty bearer,and ensure the effectiveness of information disclosure of robo-advisor.
作者
刘杰勇
Liu Jieyong(School of Law,Peking University,Beijing 100871,China)
出处
《西北民族大学学报（哲学社会科学版）》
CSSCI
北大核心
2022年第6期74-82,共9页
Journal of Northwest Minzu University(Philosophy and Social Sciences)
基金
2020年国家社会科学基金后期资助项目“大陆法系框架下信义义务的法理研究”(项目编号:20FFB055)。
关键词
人工投顾
智能投顾
信义义务
更新适用
时代价值
financial advisor
robo-advisor
fiduciary duty
updatingand application
value of the times
