北京大学法律系主任兼该校金融法研究中心主任吴志攀教授指出,商业银行、保险公司和证券公司等金融机构,无不经历着一场高科技革命。金融领域中高科技运用主要表现在金融的电子化方面。金融电子化导致了金融交易方式与金融服务关系的巨大变化。这些正在发生着的变化使得传统商业银行法、证券法、保险法和货币市场监管的一些原则遇到前所未有的不适应。根据吴志攀教授的考察,原来金融领域的法律原则基本上是民法、合同法和行政法方面的基本原则,它们还没有过时,但是不适应新的科技环境的成分越来越大。所以,法院对高科技金融变革中的问题采取 Professor Wu Zhiban, director of Law Department of Peking University and director of the Institute of Financial Law Research, pointed out that all financial institutions such as commercial banks, insurance companies and securities companies are experiencing a high-tech revolution. The use of high-tech in finance is mainly reflected in the electronic aspects of finance. Financial electronic led to a huge change in the relationship between financial transactions and financial services. These ongoing changes have left some of the principles of traditional commercial banking law, securities law, insurance law and the regulation of the currency market unacceptable. According to Professor Wu Zhiban’s investigation, the original legal principles in the financial field are basically the basic principles of civil law, contract law and administrative law. They are not yet out of date, but the components that do not suit the new scientific and technological environment are getting bigger and bigger. Therefore, the court took the issue of high-tech financial reform