在进步与谨慎之间：LegalTech在改变中国个人信用风险管理方面的承诺

IF 3.3 3区社会学 Q1 LAW

Computer Law & Security Review Pub Date : 2024-11-30 DOI:10.1016/j.clsr.2024.106090

Duoqi Xu, Li Chen

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引用次数: 0

摘要

法律科技在中国金融和法律领域的整合为创新法律实践、金融监管和司法改革提供了有益的见解。本文探讨了LegalTech如何改变中国的个人信用风险管理，分析了其在银行合规系统和司法程序中的整合。它探讨了三个关键方面：通过技术创新的债务催收实践的演变，通过自动化司法系统加强公共救济，以及使法律技术解决方案合法化的法律框架的发展。在强调LegalTech在提高信用风险解决效率方面的潜力的同时，文章还解决了自动化系统中的道德风险和技术实施中司法自由裁量权的维护等关键挑战。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

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Between progress and caution: LegalTech's promise in transforming personal credit risk management in China

The integration of LegalTech in China's financial and legal sectors offers useful insights for innovative legal practices, financial regulation and judicial reform. This article examines how LegalTech transforms personal credit risk management in China, analyzing its integration within banking compliance systems and judicial processes. It explores three key dimensions: the evolution of debt collection practices through technological innovation, the enhancement of public remedies through automated judicial systems, and the development of legal frameworks to legitimize LegalTech solutions. While highlighting LegalTech's potential to improve efficiency in credit risk resolution, the article addresses critical challenges including moral hazard in automated systems and the preservation of judicial discretion in technological implementation.

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来源期刊

Computer Law & Security Review LAW-

CiteScore

5.60

自引率

10.30%

发文量

审稿时长

67 days

期刊介绍： CLSR publishes refereed academic and practitioner papers on topics such as Web 2.0, IT security, Identity management, ID cards, RFID, interference with privacy, Internet law, telecoms regulation, online broadcasting, intellectual property, software law, e-commerce, outsourcing, data protection, EU policy, freedom of information, computer security and many other topics. In addition it provides a regular update on European Union developments, national news from more than 20 jurisdictions in both Europe and the Pacific Rim. It is looking for papers within the subject area that display good quality legal analysis and new lines of legal thought or policy development that go beyond mere description of the subject area, however accurate that may be.