算法黑箱之规制——基于金融法视角

Regulation of Algorithmic Black Box—From the Perspective of Financial Law

摘要: 算法作为人工智能的重要组成部分，不断提升人工智能的智能化、自动化、自主化水平，从而使人工智能在网络购物、休闲娱乐、金融理财等领域的应用日益深化。但算法黑箱作为算法的负面效应之一，不仅侵害金融消费者的知情权，为金融机构谋取不正当利益提供便利，而且严重削弱金融监管机构履行正常的监管职能，扰乱正常的金融秩序，给金融市场带来系统性风险。为此，应从立法部门、监管机构、金融机构的维度出发，基于维护金融消费者的合法权益这一目标，构建一个多方参与、系统协同、监管有效、保障有力的算法黑箱应对体系。

Abstract: As an important part of artificial intelligence, algorithm constantly improves the level of intelli-gence, automation and autonomy of artificial intelligence, thus deepening the application of artifi-cial intelligence in online shopping, leisure and entertainment, financial planning and other fields. However, as one of the negative effects of algorithms, black boxes not only infringe on financial con-sumers’ right to know and facilitate financial institutions to seek improper interests, but also seri-ously weaken the performance of normal regulatory functions of financial regulators, disrupt the normal financial order, and bring systemic risks to the financial market. Therefore, from the di-mension of legislative departments, regulatory agencies and financial institutions, based on the goal of safeguarding the legitimate rights and interests of financial consumers, we should build an algo-rithm black-box response system with multi-party participation, systematic coordination, effective supervision and strong guarantee.