Zhao Jingchen
A regulatory framework is proposed to address the expanding role of artificial intelligence (AI) in financial advisory services, prioritizing accountability mechanisms for robo-advisors and defining human responsibility. Central to the framework is resolving the AI ‘black box’ challenge—opaque algorithmic processes that risk generating unintended outcomes due to insufficient human oversight or interpretability. Current practices, efficacy, and risks within the fintech robo-advisory sector are systematically evaluated, followed by the design of a governance model to strengthen accountability for AI-driven tools. Hybrid advisory systems combining automation with human supervision are advocated to reduce algorithmic aversion, ensuring personalized, adaptable, and ethically governed financial services.
内容提要 针对人工智能（AI）在金融咨询中日益扩大的影响，本文提出以机器人顾问问责机制与人类责任界定为核心的监管框架。该框架聚焦于破解AI“黑箱”难题——即因算法不透明与人类监管和解释能力的缺失，导致金融建议风险难以预测，进而引发不可控后果。文章系统评估了金融科技领域机器人顾问的应用现状、运行效能与潜在风险，构建强化AI工具问责的治理模型，并主张采用“人机协同”的混合咨询模式，将自动化技术与人工监督有机结合，以缓解算法排斥现象，确保金融服务在实现个性化和灵活性的同时，符合伦理与合规要求。