| 摘要: |
| 摘 要：近年来，我国金融科技飞速发展，一系列金融科技伦理问题也逐渐显现，金融科技伦理问题不仅直接侵犯消费者权利，还将进一步导致金融供给侧权责失衡，带来系统性的金融风险。本文从金融科技创新机理与金融科技伦理价值、金融科技伦理监管审慎力度等视角，通过理论研究、建模分析等多种研究方法，深入探究了金融数字化转型背景下的科技伦理问题。通过博弈论模型分析了金融科技主体发展与金融科技伦理监管的关系，研判了金融科技派生伦理风险的具体路径，创新性地提出了金融科技伦理价值指标体系的建设思路并构造了金融科技伦理健康指数FEI，为金融科技伦理关系的全方位评价提供了量化方法。最后，本文从金融科技伦理治理体系的宏观视角切入，提出健全法律法规体系、加强行政监督监管、引入第三方认证审查机制、加强伦理治理自律建设、引入社会监督等五个方面开展“五位一体”金融科技伦理多元共治体系。 |
| 关键词: 关键词：金融科技；金融科技伦理；金融科技创新；伦理指数；金融治理 |
| DOI： |
| 分类号:F832.3 |
| 基金项目: |
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| Research on Ethical Governance of Financial Technology Based on Mobile Financial App |
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BI Xiao-wen , WANG Tao , LI Lin,WEI Qi
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（National FinTech Certification Center（Chongqing））
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| Abstract: |
| Abstract: In recent years, China's financial technology has developed rapidly, and a series of ethical issues related to financial technology have gradually emerged. The ethical issues of financial technology not only directly infringe on consumer rights, but also further lead to the imbalance of power and responsibility on the financial supply side, bringing systemic financial risks. This article explores the ethical issues of technology in the context of financial digital transformation from the perspectives of the mechanism of financial technology innovation and the birth of financial technology ethics, as well as the prudential supervision of financial technology ethics. Through various research tools such as theoretical research and modeling analysis, this article delves into the ethical issues of technology in the context of financial digital transformation. Through a game theory model, the relationship between the development of fintech entities and the ethical supervision of fintech was analyzed, and the specific path of ethical risks derived from fintech was identified. An innovative approach to the construction of a fintech ethical value indicator system was proposed, and a fintech ethical health index (FEI) was constructed, providing a quantitative method for the comprehensive evaluation of fintech ethical relationships. Finally, from a macro perspective of the financial technology ethics governance system, this article proposes to carry out the "Five in One" financial technology ethics diversified governance system from five aspects: improving the legal and regulatory system, strengthening administrative supervision and supervision, introducing third-party certification and review mechanisms, strengthening ethical governance self-discipline construction, and introducing social supervision. |
| Key words: Key words: Fintech; Fintech Ethics; Fintech Innovation; Ethical Index; Financial Governance |
