暨南学报(哲学社会科学版)

作者：徐凤

单位：中国政法大学。

关键词：人工智能,数字顾问,投资顾问,监管沙箱,市场准入

基金：国家社会科学基金重大项目“大数据法制立法方案研究”(18ZDA136)。

人工数字顾问业务存在着较大的负外部性问题和信息不对称等问题,也涉及广大投资者的利益即公共利益,需要监管机构予以监管,包括市场准入管理即牌照管理。传统的金融市场准入通常考虑资本、股东、人员、经营场所与业务设施、风险管理与内部控制等,甚至会考虑股东资格等,它们并不完全适合于数字顾问,需要根据数字顾问的特点作出相应的调适,具体包括经营场所的灵活化,增加对信息技术治理和数据治理的要求,以及对人工智能系统进行检测等等。欲实施数字顾问的市场准入,可以采取监管沙箱机制。"/>template{display:none;}.mag-rich-xref-fn { cursor: pointer;}//长视频$(document).ready(function(){if($("#showLongArticleVideo") && $("#showLongArticleVideo").length && $("#showLongArticleVideo").length>0){mag_ajax_update({ele_id:'showLongArticleVideo',url:mag_currentQikanUrl() + "/CN/article/showLongArticleVideo.do?id="+$("#articleId").val()});}});$(document).ready(function(){window.metaData = {"journal":{"issn":"1000-5072","qiKanMingCheng_CN":"暨南学报（哲学社会科学版）","id":2,"qiKanMingCheng_EN":"Jinan Journal"},"fundList_cn":["国家社会科学基金重大项目“大数据法制立法方案研究”(18ZDA136)。"],"article":{"keywordList_cn":["监管沙箱","人工智能","市场准入","数字顾问","投资顾问"],"juan":"44","zhaiyao_cn":"人工数字顾问业务存在着较大的负外部性问题和信息不对称等问题,也涉及广大投资者的利益即公共利益,需要监管机构予以监管,包括市场准入管理即牌照管理。传统的金融市场准入通常考虑资本、股东、人员、经营场所与业务设施、风险管理与内部控制等,甚至会考虑股东资格等,它们并不完全适合于数字顾问,需要根据数字顾问的特点作出相应的调适,具体包括经营场所的灵活化,增加对信息技术治理和数据治理的要求,以及对人工智能系统进行检测等等。欲实施数字顾问的市场准入,可以采取监管沙箱机制。","endNoteUrl_en":"https://jnxb.jnu.edu.cn/skb/EN/article/getTxtFile.do?fileType=EndNote&id=6615","bibtexUrl_cn":"https://jnxb.jnu.edu.cn/skb/CN/article/getTxtFile.do?fileType=BibTeX&id=6615","abstractUrl_en":"https://jnxb.jnu.edu.cn/skb/EN/10.11778/j.jnxb.20211150","qi":"9","id":6615,"nian":2022,"bianHao":"2022-9-67","zuoZheEn_L":"XU Feng","juanUrl_en":"https://jnxb.jnu.edu.cn/skb/EN/Y2022","shouCiFaBuRiQi":"2022-10-28","qiShiYe":"67","qiUrl_cn":"https://jnxb.jnu.edu.cn/skb/CN/Y2022/V44/I9","lanMu_cn":"数字经济法律问题研究","pdfSize":"1361","zuoZhe_CN":"徐凤","risUrl_cn":"https://jnxb.jnu.edu.cn/skb/CN/article/getTxtFile.do?fileType=Ris&id=6615","title_cn":"数字经济背景下数字顾问的市场准入","doi":"10.11778/j.jnxb.20211150","jieShuYe":"81","keywordList_en":["artificial intelligence","digital advisor","investment advisor","market access","regulation sandbox"],"endNoteUrl_cn":"https://jnxb.jnu.edu.cn/skb/CN/article/getTxtFile.do?fileType=EndNote&id=6615","zhaiyao_en":"The digital advisory business has negative externalities and information asymmetry. 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来源：2022年第9期

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