摘要
金融科技的创新应用在为金融市场带来巨大机遇的同时也存在着未知的技术风险。将技术规则法律化并完善技术风险规制,按照制度理性与技术理性相统一的逻辑对金融科技的技术风险进行法律治理,能够为金融科技的有效应用提供法律保障。在我国金融科技快速发展的背景下,需要充分把握技术风险的技术实质,按照"技术中立"和"业务实质"原则,协调创新激励和风险防控的目标,建立金融科技应用主体的安全优先、风险评估和系统弹性规则,加强对技术风险的评估评级和日常监管,发挥自律规则和技术标准的自律约束,明确应用主体的责任豁免、归责原则和责任分担,系统构建强化行为约束、明确法律责任、完善金融监管的技术风险法律治理框架。
While the innovative application of financial technology brings huge opportunities to the financial market,there are also unknown technical risks.Legalizing technical rules and improving technical risk regulations,and legally governing financial technology technical risks in accordance with the logic of the unity of institutional rationality and technical rationality,can provide legal protection for the effective application of financial technology.In the context of the rapid development of financial technology in China,it is necessary to fully grasp the technical nature of technical risks,coordinate innovation incentives and risk prevention and control objectives in accordance with the principles of"technological neutrality"and"business nature",establish rules of security priorities,risk assessment and system flexibility for financial technology application entities.At the same time,the regulators need to strengthen the assessment and regular supervision,and give play to the self-discipline constraints,clarify the responsibility exemption,imputation principle and responsibility sharing of the application subject in order to improve the legal governance framework of technical risks for financial supervision.
出处
《法学评论》
CSSCI
北大核心
2021年第1期115-130,共16页
Law Review
基金
教育部人文社会科学研究项目青年基金项目《风险防范视域下金融科技应用的监管对策研究》(项目编号:18YJC820083)
国家社科基金青年项目《系统重要性金融科技公司的法律规制》(项目编号:20CFX062)的阶段性成果
关键词
金融科技
技术风险
技术中立
业务实质
法律治理
FinTech
Technical Risks
Technological Neutrality
Business Nature
Legal Governance
