Journal of the Korea Convergence Society (한국융합학회논문지)

Korea Convergence Society (한국융합학회)
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Measures to minimize the side effects of the increased use of Artificial Intelligence Robo-Advisor

인공지능 로보어드바이저의 활성화에 따른 부작용 최소화를 위한 제도적 보완점

  • Kim, Dong Ju (Dept. of Information Security, Graduate School of Information Security, Korea University) ;
  • Kwon, Hun Yeong (Graduate School of Information Security, Korea University) ;
  • Lim, Jong In (Graduate School of Information Security, Korea University)
  • 김동주 (고려대학교 정보보호대학원 정보보호학과) ;
  • 권헌영 (고려대학교 정보보호대학원) ;
  • 임종인 (고려대학교 정보보호대학원)
  • Received : 2017.09.12
  • Accepted : 2017.10.20
  • Published : 2017.10.28
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Abstract

In this study, we mainly inquired into structural reforms of the current legal system that could minimize the side effects and protect financial customers as the use of AI robo-advisor were increasing. First, regarding a specific reform, it is necessary to introduce and establish a rapid detection system for unusual transactions by the Robo-advisor management company, the strict liability of the management company, the management company's mandatory obligation to obtain indemnity insurance, and limited criminal penalties. Furthermore, it is necessary to establish a comprehensive basic law regarding AI. In this basic law, the promotion of the development of AI technology and the minimization of side effects should be dealt with in harmony with each other. Like the approach of this study, we hope that similarly detailed and practical discussions will be made on the AI era from various perspectives in the future.

본 연구에서는 인공지능 로보어드바이저의 활용 증가로 인한 부작용을 최소화하고 금융소비자 및 시장을 보호하기 위해 필요한 현행 법체계의 제도적 보완점에 관하여 주로 검토하였다. 먼저, 개별적인 보완점으로서, 로보어드바이저 운용사에 대한 이상거래 신속 탐지체계 구축 의무의 도입, 운용사의 무과실책임 도입, 운용사의 손해배상보험 의무가입제도 도입, 형사처벌의 부분적인 도입 등이 필요하고, 더 나아가 인공지능에 관한 포괄적인 기본법의 제정이 필요하다. 포괄적인 기본법에서는 인공지능 기술 발전을 장려하기 위한 측면과 부작용을 최소화하기 위한 측면이 조화롭게 다루어져야 할 것이다. 본 연구에서의 접근법과 마찬가지로 향후 다양한 관점에서 인공지능 시대에 대한 구체적이고 실질적인 논의가 진행되기를 기대한다.

Keywords

References

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