Research On The Supervision Of Internet Financial Consumer Rights Protection Under The Background Of Artificial Intelligence

Since entering the national strategic position of artificial intelligence in 2016,it has caused widespread concern in the field of Internet finance.In recent years,the application of artificial intelligence in the financial field has shown strong advantages.The country has also gradually introduced a series of guidelines,policies and policies to promote the development of "financial technology",which has enabled the rapid integration of artificial intelligence technology and the financial industry,and has achieved significant results in the financial field represented by Internet finance.The continuous development of financial technology has not only promoted the development of Internet finance,but has also exacerbated the contradiction between Internet financial institutions and consumers,and has put forward new requirements and challenges for the protection of Internet financial consumers’ rights and interests.At present,China has vigorously promoted the establishment of fintech in China,and has also issued a series of normative legal documents to strengthen restrictions on the technical application behavior of Internet financial institutions in order to achieve the purpose of protecting the legitimate rights and interests of consumers for comprehensive protection.In view of the fact that China’s Internet financial consumers are one of consumers,the vast majority of their rights and interests can be basically protected by the Consumer Protection Law of the People’s Republic of China.Although the application of artificial intelligence technology has increased the difficulty of legal protection,But it does not go beyond the scope of legal protection.Instead,China’s Internet financial regulatory system has encountered some regulatory difficulties after the widespread application of artificial intelligence technology.Therefore,this article will explore the feasibility measures to regulate the use of technology by Internet market institutions and other relevant market entities from a regulatory perspective,so as to achieve the ultimate goal of protecting the interests of Internet financial consumers.In the research process,the author comprehensively used the literature research method,case analysis method,descriptive research method and other research methods to sort out and analyze the current application of artificial intelligence technology in the field of Internet finance and the problems existing in the regulatory system.First of all,from the perspective of China’s current regulatory practice,China’s current regulatory system mainly has the following problems: First,China still adopts the supervision model of separate supervision and joint supervision.The choice of this model is not suitable for Internet finance The practice needs of mixed operations;secondly,the standards adopted by China’s Internet financial institutions for smart service market access qualification do not meet the reality of serious technical security risks;again,China has not yet played an important role in Internet financial consumption Fintech companies incorporated into the regulatory system cannot effectively circumvent the security risks of algorithmic technologies used by Internet financial institutions;finally,the regulatory system established in China has not identified the responsible subjects when investigating accountability,and has not achieved unified regulation of behavior and responsibility.purpose.Based on the above issues and the actual situation of China ’s legal tradition and the application of Internet finance technology,it is less time-consuming and economical to strengthen the supervision of the technology application of Internet financial institutions than to raise special legislation and build an ex post relief system.Consumers’ legitimate rights and interests have the least adverse impact,and it is more conducive to our strengthening the protection of consumer rights and interests.The author suggests that in the process of improving the regulatory system,we must focus on determining the regulatory body,appropriately expanding the scope of supervision,the correct selection of the regulatory model,and identifying the responsible parties that violate regulatory requirements,so as to be able to pass the regulation of Internet financial institutions,financial institutions Technology companies provide intelligent services to protect the rights and interests of Internet finance consumers.