Research On Legal Issues Of The Supervision And Management Of Robo-Advisor

With the rise of fintech,Robo-Advisor with data and technology as the core driving force has become an important development direction.The essence of Robo-Advisor is to rely on artificial intelligence computer system to issue corresponding investment Suggestions according to investors' existing financial status and investment demand and other factors through algorithms and investment models,and at the same time to establish an asset allocation portfolio with the characteristics of investors' risk preference.From the perspective of the scope of Robo-Advisor,it has the function of securities investment advisory and asset management,this article aims to analyze every law of Robo-Advisor main body the legal relationships between and risk,the risk point keep digging in intelligent interest regulation law problems,from the legal basis for intelligent interest regulation,the law of the existence question,elaborated this point out that our country for smart for the lack of legal system of supervision and in the final combined with outside experience put forward specific supervision Suggestions on the development of Robo-Advisor.This paper consists of six parts: introduction,overview of legal issues of intelligent investment supervision in China,deficiencies of legal system of Robo-Advisor supervision in China,overseas experience of Robo-Advisor supervision,Suggestions and conclusions on the construction of legal system of Robo-Advisor supervision in China.Emphatically comb for Robo-Advisor regulation in our country at present laws and regulations,and lack of problem,at present is not perfect but have larger regulatory requirements,experience in other country,not just from the legal level to break smart interest development obstacle,improve the system of Robo-Advisor regulation,but also innovate regulatory way,aim to our country's Robo-Advisor development and provide more perfect laws and regulations system.