Research On The Legal Supervision Of Intelligent Investment In China

In the wave of the development of fintech,as one of the achievements of fintech innovation,intelligent investment advisory subvert the traditional service mode of investment advisory by relying on big data,cloud computing and artificial intelligence technologies.It has carried out business in many countries and regions around the world and managed a huge amount of user assets.Since its entry into the Chinese market,financial institutions and investors are generally optimistic about its development prospects,and a large number of related products have appeared in a few years.However,China’s financial supervision system is different from that of foreign countries.As an emerging financial industry,intelligent investment banking is facing various problems under the separate supervision system in China,and the regulatory authorities are unable to effectively supervise intelligent investment banking.This paper will discuss the legal supervision of intelligent investment from four parts.The first part puts forward the research problems and the research status at home and abroad.At present,Chinese scholars have paid more attention to fintech,and China lacks targeted regulatory measures for market risks brought by advanced technology.Since the introduction of intelligent investment banking into China,there have been more theoretical studies on it.The second part focuses on the basic principles of legal supervision of intelligent investment banking.Firstly,it introduces the development status of intelligent investment banking.Then,combining with the definition of intelligent investment banking both at home and abroad,it elaborates the characteristics and legal relations of intelligent investment banking,and analyzes the necessity of supervision from the theoretical and practical levels.The third part analyzes the legal problems in the supervision of intelligent investment banking from the perspective of China’s existing securities laws and regulations and the current regulatory system,such as the institutional obstacles faced by the compliance operation of intelligent investment banking,the conflict between the business scope of intelligent investment banking and China’s regulatory system.The fourth part,on the basis of combing the supervision experience of foreign intelligent investment supervision,puts forward some suggestions to improve the supervision system of Chinese intelligent investment supervision.Relevant departments need to break down the legal barriers to the development of intelligent investment and care;Relevant departments should base on the traditional supervision system to innovate supervision methods and tools;The relevant departments should perfect the investor protection system from multiple angles such as the investor suitability management system and the investor information protection mechanism.Regulators should focus on preventing potential algorithm application risks.