Research On The Issues Of Robo-adviser Consumers' Rights Protection In China

In recent years,the practical application of artificial intelligence technology in the financial and economic level has shown a momentum of rapid development.As the leader of the intelligent investment,the rise and development of the smart investment has been widely concerned,and has become an emerging hot spot for financial industry innovation in the world..Compared with other financial technology applications,smart investment has the characteristics of low-cost,high-efficiency inclusive finance,which is deeply loved and favored by consumers.In the future,it will inevitably set off a wave of change in the field of global wealth management.However,if it is not regulated and allowed to grow wildly,it will inevitably cause damage to the rights and interests of consumers,thus affecting the stability of China's financial order.In view of this,this paper is based on the theme of intelligent investment in consumer rights protection,with operator regulation and consumer protection as the table,through the analysis of the legal relationship between consumers and operators,to find out the smart investment in consumer rights The potential risks of damage,and the problems and causes of the protection of consumers in smart investment in China.In-depth exploration of the consumer's right to know,product right,and information security rights,analyze the dilemma encountered by consumers,and start from these three levels to make recommendations on the protection of smart consumers' rights and interests to prevent the emergence of Consumer rights violations and safeguard the security and stability of China's financial order.The film consists of three parts: introduction,body and conclusion.The body is divided into four parts:The first part is the basic theory of intelligent investment: First of all,this paper starts with the basic theory of intelligent investment,first discusses the definition of intelligent investment at home and abroad.Then it expounds the basic principles of smart investment and the whole process of investment and consumption,and establishes a basic understanding of smart investment.On this basis,it introduces the development of smart investment market at home and abroad,and sorts out the smart investment operators and consumers.The legal relationship between them will pave the way for the protection of the rights of consumers in the future.The second part is the necessity and protection status of China's smart investment consumer protection: First,the necessity of rights protection,from the perspective of smart investment on the challenge of faith and the special risk of artificial intelligence;second,consumption The status quo of the protection of rights and interests is described from the status quo of legislative protection to the status quo of regulatory protection.The third part is about the problems of the protection of consumers' rights and interests in China's smart investment and the causes of the problems: from the analysis of the above legal relationship and the analysis of the status quo,we have unearthed the rights of China's smart investors to be vulnerable,including informed rights.Right,product right,information security,and in-depth analysis of specific issues and causes.The unclear product information and unclear license qualifications are obstacles to the exercise of the right to know;the lack of standards and algorithmic conflicts of user images infringes the right to product;the right to information security faces internal risks and external threats.The fourth part is the specific suggestions for the protection of consumers' rights and interests in the smart investment market in China: for the protection of the right to know,the information disclosure obligation should be improved and the industry threshold should be standardized;for the protection of product right,the user image acquisition mechanism should be improved.Establish a prevention mechanism for conflicts of interest;for the protection of information security rights,the internal supervision of the platform and the prevention of network security risks should be strengthened.Only three aspects can go hand in hand to fully protect the legitimate rights and interests of consumers.