In the context of the digital economy,the use of legal technology in solving personal credit risks involves both the traditional financial rule of law issues,but also involves the legislation,judicial,compliance interface and other cutting-edge issues that may be met in the application of financial technology.For this new type of dilemma,there are roughly three dimensions worth discussing:the market chaos of collection and anti-collection,triggering reflection on the source governance of banks'compliance risk prevention and control mechanism;legal technology,boosting judiciary efficiency,causing suspicion of orthodox rule of law advocates and promoting the shift of private remedies towards public remedies.Based on the legitimacy of such a shift,the legitimacy of the legal technology-enabled personal credit risk mitigation also needs to be reinforced.Legal technology is at the balance point of efficiency and justice,and the key to solving personal credit risks with legal technology lies in preventing the moral hazard of financial institutions,maintaining the fair discretion of the court,and adhering to the rule of law of data technology ethics.
NETL
NSTL
万方数据
