大众视角下数字化消费科技伦理监管体系研究
The Study of Ethical Regulatory Framework for Digital Consumption Technology from a Public Perspective

随着数字化消费科技在金融服务、电子商务等领域的快速发展，隐私保护、算法偏见等伦理问题日益突出，尤其是对弱势群体、农村居民和老年人带来了特殊挑战。本研究从大众视角出发，探讨了现有数字化消费科技伦理监管体系的不足之处，并提出了改进建议。通过文献综述、问卷调查和案例分析，研究揭示了不同社会群体对数据透明度、算法公平性和隐私保护的关注点，进而为优化普惠性和无障碍服务的监管体系提供了建议。
With the rapid development of digital consumer technology in areas such as financial services and e-commerce, ethical issues like privacy protection and algorithmic bias have become increasingly prominent, particularly affecting vulnerable groups, rural residents, and the elderly. This study, from a public perspective, explores the shortcomings of the current ethical regulatory framework for digital consumer technology and offers suggestions for improvement. Through a literature review, survey, and case analysis, the study reveals the concerns of different social groups regarding data transparency, algorithmic fairness, and privacy protection, thereby providing recommendations for optimizing an inclusive and accessible regulatory system.