Ethical Regulation of Fintech Innovation Based on Big Data

The innovative integration of fintech drives the digital transformation of finance, it also brings about technological alienation, prompting a shift in ethical perspectives. This paper, from a historical perspective, traces the trajectory of the evolution of technological ethics from a purely rational tool to a comprehensive reflection on social impact. Focusing on the field of fintech, the study systematically explores the essence of fintech ethics across four levels: micro to macro, proximal to distal causes, static and dynamic, endogenous and exogenous. From an ontological perspective, it constructs a hierarchical structure of fintech ethics encompassing four dimensions: individual, organizational, societal, and global community. Under the associative effects of intelligent financial systems, the process of constructing the sociality and relationality of fintech ethics is reexamined, breaking free from the traditional dichotomy between technology and ethics. By introducing a relational perspective, the paper aims to effectively address the systemic risks brought by artificial intelligence in the financial sector through the construction of a complex ethics framework, which incorporates systems thinking, adaptive governance, multi-stakeholder collaborative governance, and adherence to ethical boundaries. The goal is to leverage ethical considerations to drive the reform and optimization of the financial regulatory system, ensuring the steady progress of the fintech industry.