关键词: 人工智能, 伦理风险, 金融科技, 算法, 自动决策

Abstract: Although artificial intelligence has triggered disruptive changes in the traditional financial business, as a new scientific and technological factor, it has also caused complex social conflicts in the financial field. There is a conflict between the technological logic of artificial intelligence and the ethical logic in reality, and there is a lack of coordination between it and the corresponding financial system and regulatory mechanisms, resulting in ethical risks that differ from those in the traditional financial field. The technological core of artificial intelligence includes three levels: big data, algorithms, and automated decision-making. The above-mentioned technological core has caused certain damage to traditional ethical foundations such as financial rationality in theory. The intelligent technology has caused impacts such as infringement of financial consumers' privacy rights, substitution of self-determination rights, and unclear legal responsibilities. It can be seen that the ethical risks of artificial intelligence in financial sector need to be addressed from a legal perspective for practical and root causes. Therefore, restrictions should be imposed on the application of artificial intelligence technology, big data foundations should be reviewed, and algorithms should be effectively monitored, so as to avoid and control the ethical risks of artificial intelligence.

Key words: artificial intelligence, ethical risk, financial technology, algorithm, automated decision-making