数字普惠金融的风险与监管

目的/意义信息技术应用驱动着我国金融不断变革，金融创新的同时也使得金融仲裁面临更大挑战。现有的金融仲裁几乎无涉第三人权益、仲裁机构依法无权追加在金融争议中可能影响其合法权益的第三方当事人，严重损害了第三人合法权益。设计/方法通过探究问题的产生背景、对比分析现状后我国金融仲裁现有立法和司法实践均对第三人参与仲裁持否定态度，在现有救济途径均无法有效维权前提下，从利益平衡角度出发应赋予金融仲裁第三人当事人地位并有权提起撤销和执行异议之诉，结论/发现通过有限建立金融仲裁第三人制度以合理保护其合法权益。

Tentative Suggestions on the Establishment of the Third Party Financial Arbitration System

[Purpose/Significance] The application of information technology drives the continuous reform of my country's finance, and financial innovation also makes financial arbitration face greater challenges. Existing financial arbitration hardly involves the rights and interests of third parties, and arbitration institutions have no right to add third parties that may affect their legal rights and interests in financial disputes, which seriously damages the legal rights and interests of third parties. [Design/Methodology] After exploring the background of the problem and comparing and analyzing the status quo, it is found that the existing legislation and judicial practice of financial arbitration in my country all hold a negative attitude towards the third party’s participation in arbitration. Under the premise that the existing remedies cannot effectively protect rights, from the perspective of interest balance, the third party of financial arbitration should be granted the status of the third party and have the right to file a revocation and enforcement of the objection. [Findings/Conclusions] The establishment of a restricted third party financial arbitration system will protect its legitimate rights and interests reasonably.