大数据金融算法的法律规制

刘  辉

大数据金融算法的法律规制

引用本文：刘辉.大数据金融算法的法律规制[J].财经理论与实践,2021,(2):148-154

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作者	单位
刘辉	(湖南大学法学院，湖南长沙 410082）

中文摘要:在大数据时代，算法已经成为大数据金融发展的核心底层技术。在享受大数据金融算法优化和重构传统金融业的商业模式、驱动新兴科技金融产品和业务创新的同时，亦必须面对其可能带来的算法黑箱、算法歧视、价格操纵、隐私泄露、算法鲁莽等负面效应。为此，大数据金融算法必须接受法律的规制，需在适度监管理念的指引下，完善大数据金融算法法律体系，重构大数据金融私法关系，建立大数据金融自律机制，并强化大数据金融行政监管机制，通过“多元共治”促进大数据金融算法规范运用。

中文关键词:大数据金融算法黑箱算法歧视算法鲁莽金融科技

Legal Regulation of Big Data Financial Algorithm

Abstract:In the era of big data, algorithm has become the core underlying technology of big data financial development. While enjoying the business model optimization and reconstruction of the traditional financial industry via big data financial algorithm, driving the emerging technology financial products and business innovation, we must also face the negative effects such as algorithm black box, algorithm discrimination, price manipulation, privacy leakage, algorithm recklessness, etc. Therefore, big data financial algorithm must be regulated by law. Under the guidance of moderate supervision concept, it is necessary to improve the legal system of big data financial algorithm, reconstruct the legal relationship of big data financial private law, establish big data financial self-discipline mechanism, and strengthen big data financial administrative supervision mechanism. Promote the standardized application of big data financial algorithm through "multiple governance".

keywords:big data financial algorithm black box algorithm discrimination algorithm recklessness financial technology

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