摘要
全球金融科技革命浪潮席卷而来,对传统金融监管提出了严峻挑战。智能投顾区别于人工投资顾问的“数字化”“线上化”,代表着人工智能在数字金融领域创新发展的趋势,具有独特的研究价值。我国智能投顾发展前景广阔,但监管制度的滞后束缚了行业的健康发展。究其根本原因是尚未厘清智能投顾监管的基本理念,导致规范制度的模糊缺位和实践的迷茫无序。综合分析借鉴国际智能投顾监管的经验与局限,结合我国金融市场的实际,应确立约束与激励并行的科学理念,指导制度创新和实践模式建构,确保监管制度的时效性与适应性,从而守住不发生系统性金融风险的底线。智能投顾监管体系的研究,对于数字时代完善金融监管具有重要的导向意义和推广价值。
The wave of the global fintech revolution has swept in,posing severe challenges to traditional financial regulation.Different from the"digital"and"online"aspects of human investment advisors,robo-advisors represent the trend of artificial intelligence innovation and development in the field of digital finance,and have unique research value.The development prospects of robo-advisors in China are broad,but the lag in the regulatory system restricts the healthy development of the industry.The root cause is that the basic concept of robo-advisor supervision has not been clarified,which has led to vague norms and confused practices.Based on the experience and limitations of international robo-advisor supervision and the actual situation of China's financial market,a scientific concept of parallel constraints and incentives should be established to guide institutional innovation and the construction of practice models,to ensure the timeliness and adaptability of the regulatory system,so as to maintain the bottom line of no systemic financial risks.The research on the robo-advisor regulatory system has important guiding significance and promotion value for improving financial supervision in the digital era.
出处
《河南大学学报(社会科学版)》
北大核心
2025年第3期36-41,153,共7页
Journal of Henan University(Social Sciences)
基金
国家社会科学基金项目“新时代中国经济法学基础理论创新研究”(18BFX148)阶段性成果。
