摘要
智能化金融是人工智能、大数据等新质生产力在金融领域应用而产生的创新性金融模式。鼓励、包容智能化金融发展是推动金融高质量发展和在金融领域发展新质生产力的现实需求,故应对智能化金融进行包容性监管。智能化金融面临“太大而不能倒”“过于关联而不能倒”“太快而无法挽救”等系统性风险挑战,守住不发生系统性风险的底线必须对其实施审慎监管。应当秉承包容审慎监管理念,完善智能化金融市场系统性风险监管法律制度,以实现金融安全、金融效率与金融公平之平衡。
Intelligent finance is an innovative financial model produced by the application of new quality productivity such as artificial intelligence and big data in the financial field.Encouraging and accommodating the development of intelligent finance is a realistic demand for promoting high-quality financial development and developing new quality productivity in the financial field.Therefore,inclusive supervision of intelligent finance should be carried out.Intelligent finance faces systemic risk challenges such as“too big to fail”“too connected to fail”and“too fast to save”,and prudential supervision must be implemented to keep the bottom line of no systemic risk.We should uphold the concept of inclusive prudential supervision and improve the legal system of systemic risk supervision in intelligent financial markets,so as to achieve a balance between financial security,financial efficiency and financial fairness.
出处
《财经法学》
2025年第2期110-126,共17页
Law and Economy
基金
福建省社会科学基金重点项目“智能化金融市场系统性风险规制的公私法合作机制研究”(FJ2023A012)
国家社科基金一般项目“智能化金融市场系统性风险的法律规制研究”(24BFX078)的阶段性成果。
关键词
人工智能
智能化金融
系统性风险
包容审慎监管
artificial intelligence
intelligent financial
systemic risk
inclusive prudential regulation
