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Algorithmic Credit Scoring in Vietnam: A Legal Proposal for Maximizing Benefits and Minimizing Risks 越南的算法信用评分:实现利益最大化和风险最小化的法律建议
IF 0.8 3区 社会学 Q2 LAW Pub Date : 2023-06-30 DOI: 10.1017/als.2023.6
Nicolás Laínez, J. Gardner
Artificial intelligence (AI) and big data are transforming the credit market around the world. Algorithmic credit scoring (ACS) is increasingly used to assess borrowers’ creditworthiness, using technology to glean non-traditional data from smartphones and analyze them through machine-learning algorithms. These processes promise efficiency, accuracy, and cost-effectiveness compared with traditional credit scoring. However, this technology raises public concerns about opacity, unfair discrimination, and threats to individual privacy and autonomy. Many countries in Southeast Asia are introducing ACS in consumer finance markets, although—even with the significant concerns raised—there is an ongoing and concerning lag in oversight and regulation of the process. Regulation is vital to delivering big data and AI promises in the financial services market, while ensuring fairness and public interest. This article utilizes Vietnam, where the lending industry deploys ACS but in a situation of legal limbo, as a case-study to analyze the consequences of this technology. Vietnam is one of the foremost Southeast Asian countries in which ACS usage is spreading rapidly, and this provides an excellent opportunity to review the regulation, or lack thereof, and determine the implications that this may have for other countries that are currently introducing ACS in consumer finance markets. The article concludes with a proposal to regulate ACS in Vietnam based on international regulation and guidelines on ACS, data privacy, and AI to enable a transparent, accessible, and fair process.
人工智能(AI)和大数据正在改变世界各地的信贷市场。算法信用评分(ACS)越来越多地用于评估借款人的信用,使用技术从智能手机中收集非传统数据,并通过机器学习算法进行分析。与传统的信用评分相比,这些流程保证了效率、准确性和成本效益。然而,这项技术引发了公众对不透明、不公平歧视以及对个人隐私和自主性的威胁的担忧。东南亚的许多国家正在将ACS引入消费金融市场,尽管尽管有人提出了重大担忧,但对这一过程的监督和监管仍存在持续且令人担忧的滞后。监管对于在金融服务市场实现大数据和人工智能承诺至关重要,同时确保公平和公共利益。本文以越南为例,分析了这项技术的后果。在越南,贷款行业部署了ACS,但处于法律边缘。越南是ACS使用迅速蔓延的最重要的东南亚国家之一,这为审查监管或缺乏监管提供了一个极好的机会,并确定这可能对目前在消费金融市场引入ACS的其他国家产生的影响。文章最后提出了一项建议,根据关于ACS、数据隐私和人工智能的国际法规和指南,对越南的ACS进行监管,以实现透明、可访问和公平的流程。
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引用次数: 0
Asian Courts in Times of COVID: Virtualization and the New Normal 新冠肺炎时代的亚洲法院:虚拟化和新常态
3区 社会学 Q2 LAW Pub Date : 2023-06-01 DOI: 10.1017/als.2021.33
Alvin Yeo, Hock Keng Chan
Abstract The unprecedented COVID-19 pandemic has caused restrictive measures to be established in many sectors including the legal and judicial sector; an example is the use of electronic litigation systems and video-conferencing facilities for trials. With the implementation of changes in the legal and judicial sector to adapt to restrictions arising from the pandemic, there is the question of whether the current rules governing civil-court proceedings are designed to accommodate these changes. This article seeks to explore the measures taken by courts in response to the pandemic with a focus on Asia, notably Singapore. The article will outline the legal basis for the use of live video links for the purpose of witness evidence-taking under Singapore law and the possible implications will be reviewed taking Singapore’s civil proceedings as an example in comparison with other jurisdictions.
摘要前所未有的新冠肺炎大流行,在法律、司法等多个领域出台了限制性措施;一个例子是使用电子诉讼系统和视频会议设施进行审判。随着法律和司法部门进行改革以适应大流行病带来的限制,存在一个问题,即现行民事法庭诉讼规则是否旨在适应这些变化。本文旨在探讨法院为应对这一流行病而采取的措施,重点是亚洲,特别是新加坡。本文将概述根据新加坡法律为证人取证目的使用实时视频链接的法律依据,并将以新加坡民事诉讼为例,与其他司法管辖区进行比较,审查可能产生的影响。
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引用次数: 0
The Constitution and Religion - Buddhism and Comparative Constitutional Law. By Tom Ginsburg & Benjamin Schonthal. Cambridge, UK: Cambridge University Press, 2023. 300 pp. Hardcover $125.00 宪法与宗教——佛教与比较宪法。作者:Tom Ginsburg和Benjamin Schonthal。英国剑桥:剑桥大学出版社,2023年。300页精装本$125.00
IF 0.8 3区 社会学 Q2 LAW Pub Date : 2023-05-24 DOI: 10.1017/als.2023.10
Rawin Leelapatana
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引用次数: 0
Multi-Tier Dispute Resolution (MDR) 多层争议解决(MDR)
IF 0.8 3区 社会学 Q2 LAW Pub Date : 2023-03-28 DOI: 10.1017/als.2023.3
J. Huang
“Multi-tier dispute resolution” (MDR) combines hybrid forms of dispute resolution that often start with mediation, neutral evaluation, or other non-adjudicative approaches and is followed by an adjudicative approach (e.g. arbitration or litigation) when the initial non-adjudicative approach is unsuccessful in resolving all or part of the parties’ disputes. MDR provides parties with flexible, creative, and often cost-saving means for settling their disputes; therefore, it has become increasingly popular. Anselmo Reyes and Weixia Gu’s edited volume is a must-see work for people who are interested in MDR. First and most importantly, the book provides a comparative global overview of legal issues related to MDR and in-depth introductions to MDR laws of 13 jurisdictions (i.e. China, Hong Kong, Taiwan, Japan, Korea, Singapore, the US, the UK, Canada, Australia, the EU, Russia, and OHADA countries). The book is divided into four parts containing 18 chapters in total. Part One provides a global overview of MDR featuring two chapters. Chapter One defines the concept of MDR and explores the differences between “med-arb,” “arb-med,” “arb-med-arb,” etc. It then presents the comparative findings of the book regarding MDR laws and practices in common-law Asia, civil-law Asia, other common-law jurisdictions in the world, and continental Europe. It attributes the diverse development of MDR in the above jurisdictions to various factors, such as “a jurisdiction’s legal system, the tradition, and its multi-faceted and variegated cultural aspects” (p. 24). Chapter Two provides an impressive statistics analysis of MDR laws in 195 jurisdictions. The statistics are presented by easy-to-read colourful charts and detailed analysis covering approaches to med-arb, arb-med, regulatory patterns, and development status. Part Four (Chapter Eighteen) concludes the book with a testimony to the resilience and the attraction of MDR in different parts of the world. It argues that MDR will “allow ample flexibility and informality in its mediation stage” and “not jeopardize any award produced in the arbitration stage by reason of the mediation stage having been conducted too loosely” (p. 441). Part Two of the book focuses on Asia. It first explores the general trends of MDR. The chapter with respect to China (Chapter Three) concludes that it is hard to answer whether MDR in China will be impeded by due process issues, especially those caused by the same neutral serving as both mediator and arbitrator. This is because the majority of Chinese clients are attracted by the familiarity and efficiency that Chinese MDR brings and they usually do not worry about its procedural defects. Chapter Four explores MDR in Hong Kong by considering the competition from Singapore, Shanghai, Shenzhen, and Dubai, and suggests Hong Kong policy-makers engage more efforts to incentivize the use of MDR. According to Chapter Five, although Taiwan is not a member of the Hague Convention on the Recognition and
“多层争议解决”(MDR)结合了多种争议解决形式,通常以调解、中立评估或其他非裁决方式开始,当最初的非裁决方式无法解决全部或部分当事人争议时,随后采用裁决方式(例如仲裁或诉讼)。MDR为各方提供了灵活、创新和往往节省成本的解决争端的手段;因此,它变得越来越受欢迎。对于对MDR感兴趣的人来说,Anselmo Reyes和Weixia Gu编辑的卷是必看的作品。首先,也是最重要的是,本书提供了与MDR相关的法律问题的比较全球概述,并深入介绍了13个司法管辖区(即中国、香港、台湾、日本、韩国、新加坡、美国、英国、加拿大、澳大利亚、欧盟、俄罗斯和OHADA国家)的MDR法律。全书分为四个部分,共18章。第一部分提供了MDR的全球概述,包括两章。第一章对MDR的概念进行了界定,并探讨了“med-arb”、“arb-med”、“arb-med-arb”等概念的区别。然后介绍了本书关于亚洲普通法、亚洲大陆法系、世界其他普通法司法管辖区和欧洲大陆的MDR法律和实践的比较结果。它将上述司法管辖区MDR的多样化发展归因于各种因素,如“司法管辖区的法律制度、传统及其多面性和多样性的文化方面”(第24页)。第二章对195个司法管辖区的MDR法律进行了令人印象深刻的统计分析。统计数据以易于阅读的彩色图表和详细的分析呈现,包括中西医结合、中西医结合、监管模式和发展现状。第四部分(第十八章)以证明耐多药耐药性在世界不同地区的韧性和吸引力来结束本书。它认为,MDR将“在其调解阶段允许充分的灵活性和非正式性”,并且“不会因为调解阶段进行得过于松散而危及仲裁阶段作出的任何裁决”(第441页)。这本书的第二部分聚焦于亚洲。本文首先探讨了耐多药的总体趋势。关于中国的章节(第三章)得出的结论是,很难回答中国的MDR是否会受到正当程序问题的阻碍,特别是由同一中立者同时担任调解人和仲裁员所造成的阻碍。这是因为大多数中国客户被中国MDR带来的熟悉度和效率所吸引,他们通常不担心其程序缺陷。第四章通过考虑来自新加坡、上海、深圳和迪拜的竞争,探讨了香港的多药耐药,并建议香港决策者采取更多措施激励多药耐药的使用。根据第五章,虽然台湾不是《海牙承认及执行外国民商事判决公约》、《承认及执行外国仲裁裁决纽约公约》或《新加坡调解公约》的成员国,但在民事、家庭、
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引用次数: 0
The Faces of Modern Chinese Legal Identity 近代中国法律身份的面貌
IF 0.8 3区 社会学 Q2 LAW Pub Date : 2023-02-01 DOI: 10.1017/als.2023.7
Sandra Michelle Röseler
changes and judicial reforms, such as the introduction of the “cooling off period for divorce” in the new PRC Civil Code in 2020, have made divorce harder, not easier. She concludes the epilogue with a call for collective action and resistance, for women whose land rights are threatened upon or after divorce. It almost feels like the author was out of steam when writing down those words. Indeed, readers can see and feel the enormous effort that Li put into her research and writing for this excellent book—the final product of a very long scholarly journey. Perhaps its theoretical contributions would be underappreciated by political scientists who are not interested in culture or socio-legal researchers who are not interested in power, but the book will surely find its place in the classics of Chinese law and society research because of its richness and sophistication, as well as the author’s sincerity and compassion. When today’s academic publishing is filled with fast and junk food, this fine cuisine is a rarity.
改革和司法改革,例如2020年新的《中华人民共和国民法典》引入了“离婚冷静期”,使离婚变得更难,而不是更容易。她在结语中呼吁对离婚时或离婚后土地权利受到威胁的妇女采取集体行动和抵抗。写下这些话时,作者几乎感觉失去了动力。事实上,读者可以看到并感受到李为这本优秀的书所付出的巨大努力,这本书是她漫长的学术旅程的最终产物。也许这本书的理论贡献会被那些对文化不感兴趣的政治学家或对权力感兴趣的社会法律研究者低估,但这本书肯定会在中国法律和社会研究的经典中找到一席之地,因为它的丰富性和复杂性,以及作者的真诚和同情。当今天的学术出版充斥着快餐和垃圾食品时,这种美食是罕见的。
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引用次数: 0
Making Love Legible: Queering Indian Legal Conceptions of “Family” 让爱变得合法:印度“家庭”的法律概念
IF 0.8 3区 社会学 Q2 LAW Pub Date : 2023-02-01 DOI: 10.1017/als.2023.4
Hrishika Jain
Abstract The state has historically played favourites—by incentivizing conventional families and clamping down on alternative families like ascetic maths, it ensured that the heteronormative family flourished. I trace the socio-legal histories of families and establish a constitutional imperative for “family equality” located in the rights to religious freedom, privacy, and equal treatment, and propose that it (not marriage equality) drives the queer movement. “Family” must be reimagined beyond marriage in light of the public ethic of care to encompass a vast range of non-normative families like hijra communes. I consider the Canadian Law Commission’s proposals for recognizing “families” and argue that a similar framework is an unrecognized constitutional mandate in India that, once recognized, would render a wealth of laws interacting with family life unconstitutional. The shared socioconstitutional contexts across jurisdictions and the growing convergence of human rights standards could well mean that this will impact legal systems around the world.
摘要国家在历史上一直扮演着宠儿的角色——通过激励传统家庭和取缔禁欲数学等另类家庭,它确保了非规范家庭的繁荣。我追溯了家庭的社会法律历史,确立了“家庭平等”的宪法义务,即宗教自由、隐私和平等待遇的权利,并提出它(而不是婚姻平等)推动了酷儿运动。“家庭”必须在婚姻之外根据公共护理伦理进行重新构想,以涵盖广泛的非规范性家庭,如hijra社区。我考虑了加拿大法律委员会关于承认“家庭”的建议,并认为类似的框架在印度是一项未被承认的宪法授权,一旦得到承认,将使大量与家庭生活相关的法律违宪。不同司法管辖区的共同社会宪法背景以及人权标准的日益趋同,很可能意味着这将影响世界各地的法律体系。
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引用次数: 0
History of South Korea’s Courts and Constitutional Transitions 韩国法院史与宪法转型
IF 0.8 3区 社会学 Q2 LAW Pub Date : 2023-02-01 DOI: 10.1017/als.2023.1
Justine Guichard
Giddens, Anthony (1984) The Constitution of Society, Cambridge: Polity Press. Ginsburg, Tom, ed. (2004) Legal Reform in Korea, Abingdon: RoutledgeCurzon. Mo, Jongryn, & David W. Brady, eds. (2010) The Rule of Law in South Korea, Stanford: Hoover Institution Press. Yang, Hyunah, ed. (2013) Law and Society in Korea, London: Edward Elgar. Yoon, Dae-Kyu (2010) Law and Democracy in South Korea: Democratic Development Since 1987, Boulder: Lynne Rienner Publishers.
安东尼·吉登斯(1984)《社会构成》,剑桥:政治出版社。Tom Ginsburg主编(2004)《韩国的法律改革》,北京:RoutledgeCurzon。莫·琼格林和大卫·w·布雷迪主编。(2010)《韩国的法治》,斯坦福:胡佛研究所出版社。杨贤娜主编(2013)《韩国法律与社会》,伦敦:爱德华·埃尔加出版社。尹大奎(2010)《韩国的法律与民主:1987年以来的民主发展》,博尔德:Lynne Rienner出版社。
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引用次数: 0
Socio-Legal Ethnography of Divorce Litigation in China 中国离婚诉讼的社会-法律民族志
IF 0.8 3区 社会学 Q2 LAW Pub Date : 2023-02-01 DOI: 10.1017/als.2023.2
Sida Liu
For socio-legal researchers, there are many ways to make sense of marriage and divorce in China. Some examine general patterns using big data and official judicial decisions. Others interview judges and observe divorce trials in court. Most of them reach the same conclusions: divorce is difficult for women, domestic violence is prevalent but unimportant in judicial decision-making, and men are more likely to get properties and child custody. Indeed, after this topic has been researched empirically for more than a decade, especially after the recent publication of two major studies, namely Xin He’s Divorce in China in 2021 and Ethan Michelson’s Decoupling in 2022, it may seem like there is nothing new to be said on the gendered outcomes of divorce cases in China. Yet, with Marriage Unbound: State Law, Power, and Inequality in Contemporary China, Ke Li has proven the sceptics wrong. Based on her 15-yearlong ethnographic and archival research, as well as a creative engagement with social science theories of dispute resolution and authoritarian legality, Li demonstrates how the Chinese state “has cultivated and deployed a cultural repertoire of statecraft” (p. 29) to penetrate and regulate the private lives of its citizens over the seven decades of the People’s Republic of China (PRC) since 1949. From political campaigns in the Mao era to mediations and litigations in the reform era, what Li terms the cultural toolkit of statecraft enables Chinese judges and other political-legal actors (village cadres, lawyers, and basic-level legal workers, etc.) to manage divorce in gendered and institutionalized ways that discriminate against women. This is a book not only about divorce but also about the nature of “authoritarian legality”—an increasingly popular concept among social scientists studying China. Unlike most political scientists who use this concept, however, Li presents a cultural approach to authoritarian legality. It does not seek to “probe what ‘functions’ or ‘functional purposes’ legality serves in authoritarian states” (p. 25) or to make the utilitarian assumption that “autocrats know very well how to leverage law and courts to maximum advantage” (p. 27). Instead, Li’s cultural approach asks “how authoritarian rulers build and rebuild law, legal professions, and courts over time as they calibrate and recalibrate a cultural repertoire of statecraft” (p. 30). Drawing on Ann Swidler’s theory of cultural toolkit and Sally Engle Merry’s notion of cultural appropriation, which refers to “political elites’ agency, flexibility, and ingenuity in transposing, blending, and layering diverse cultural influences in legal developments” (p. 31), Li argues that PRC’s ruling elites have employed four cultural appropriation strategies (i.e. diffusion, translation, bricolage, and path dependence) in China’s contemporary legal reforms. It is not a process of rational decision-making, but a pragmatic logic of practice with “a strong emphasis on trial and error, co
对于社会法律研究人员来说,有很多方法来理解中国的婚姻和离婚。一些人使用大数据和官方司法裁决来研究一般模式。其他人采访法官,在法庭上观察离婚审判。他们中的大多数都得出了同样的结论:离婚对女性来说很难,家庭暴力普遍存在,但在司法决策中并不重要,男性更有可能获得财产和孩子的监护权。事实上,在对这一话题进行了十多年的实证研究之后,尤其是在最近发表了两项主要研究之后,即2021年辛贺的《中国离婚》和2022年伊桑·迈克尔森的《脱钩》,关于中国离婚案件的性别结果似乎已经没什么可说的了。然而,在《婚姻自由:当代中国的国家法律、权力和不平等》一书中,李轲证明了怀疑者是错误的。基于她长达15年的民族志和档案研究,以及对争议解决和专制合法性的社会科学理论的创造性参与,李展示了自1949年以来中华人民共和国(PRC)的70年里,中国国家如何“培养和部署了一套治国之道的文化储备”(第29页),以渗透和规范其公民的私人生活。从毛时代的政治运动到改革时代的调解和诉讼,李所说的治国方术的文化工具包使中国的法官和其他政治法律行为者(村干部、律师和基层法律工作者等)能够以歧视妇女的性别和制度化的方式管理离婚。这不仅是一本关于离婚的书,也是一本关于“专制合法性”的本质的书——一个在研究中国的社会科学家中日益流行的概念。然而,与大多数使用这一概念的政治学家不同,李提出了一种威权合法性的文化方法。它并没有试图“探究合法性在威权国家中服务于什么‘功能’或‘功能性目的’”(第25页),也没有做出功利主义的假设,即“独裁者非常清楚如何利用法律和法院来获得最大利益”(第27页)。相反,李的文化方法询问“随着时间的推移,专制统治者如何建立和重建法律、法律职业和法院,因为他们校准和重新校准了治国方术的文化保留”(第30页)。借鉴安·斯威德勒的文化工具箱理论和莎莉·恩格尔·梅里的文化挪用概念,即“政治精英在法律发展中转换、混合和分层不同文化影响方面的能动性、灵活性和创造力”(第31页),李认为中国的统治精英在中国当代法律改革中采用了四种文化挪用策略(即扩散、翻译、拼凑和路径依赖)。它不是一个理性决策的过程,而是一种实用主义的实践逻辑,“非常强调尝试和错误,不断的政策实验,积极的学习,基于经验而不是理论或意识形态”(第36页)。我一直对威权法制作为一个有用的分析概念持怀疑态度,因为给一种法制贴上“威权的”、“民主的”或其他什么标签,在实践中并没有赋予它任何真正的意义。在世俗的、草根阶层的争论中尤其如此
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引用次数: 0
“Ground-Up” Legal Mobilization in South Korea 韩国“破土动工”的法律动员
IF 0.8 3区 社会学 Q2 LAW Pub Date : 2022-10-27 DOI: 10.1017/als.2022.28
Chulwoo Lee
Bhatia, Amar (2012) “The South of the North: Building on Critical Approaches to International Law with Lessons from the Fourth World.” 14 Oregon Review of International Law 131–75. Fukurai, Hiroshi (2018) “Fourth World Approaches to International Law (FWAIL) & Asia’s Indigenous Struggles & Quests for Recognition Under International Law.” 5 Asian Journal of Law & Society 221–31. Fukurai, Hiroshi (2019) “Original Nation Approaches to ‘InterNational’ Law (ONAIL): Decoupling of the Nation & the State & the Search for New Legal Orders.” 26 Indiana Journal of Global Legal Studies 199–262. Griggs, Richard (1992) The Meaning of “Nation” and “State” in the Fourth World, Olympia, WA: Center for World Indigenous Studies. Guha, Ranajit (1982) “On Some Aspects of the Historiography of Colonial India,” in G. Desai & S. Nair, eds., Postcolonialisms: An Anthology of Cultural Theory and Criticism, London: Bloomsbury Publishing, 403–9. LaDuke, Winona (1983) “Natural to Synthetic & Back Again,” in W. Churchill, ed., Marxism and Native Americans, Boston, MA: South End Press, i–iix. Manuel, George, & Michael Posluns (2019) The Fourth World: An Indian Reality, Minneapolis, MN: University of Minnesota Press.
巴蒂亚,阿马尔(2012)“北方之南:以第四世界的经验教训为基础的国际法批判方法”,14《俄勒冈国际法评论》131-75。Fukurai,Hiroshi(2018)“第四世界国际法方法(FWAIL)与亚洲在国际法下争取承认的土著斗争和诉求”。5《亚洲法律与社会杂志》221–31。Fukurai,Hiroshi(2019)“国家间法律的原始国家方法(ONAIL):国家与国家的脱钩&寻找新的法律秩序。”26《印第安纳全球法律研究杂志》199–262。Griggs,Richard(1992)《第四世界中“民族”和“国家”的意义》,华盛顿州奥林匹亚:世界土著研究中心。Guha,Ranajit(1982)“论殖民地印度史学的某些方面”,G.Desai和S.Nair主编,《后殖民主义:文化理论与批评选集》,伦敦:布鲁姆斯伯里出版社,403-9。拉杜克,薇诺娜(1983)“自然到合成&再回来”,载于W·丘吉尔主编,《马克思主义与美洲原住民》,马萨诸塞州波士顿:南端出版社,i–iix。Manuel,George和Michael Posluns(2019)《第四世界:印度现实》,明尼苏达州明尼阿波利斯:明尼苏达大学出版社。
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引用次数: 1
Dynamics and Themes of Fourth World Advocacies and Activisms 第四世界倡导和活动的动力和主题
IF 0.8 3区 社会学 Q2 LAW Pub Date : 2022-10-24 DOI: 10.1017/als.2022.25
J. Fong
scholars to Chinese legal development. Given the paucity of female scholars in the monograph, an approach focusing on Chinese women in legal research and education8 could contribute to a more integrated picture of Chinese legal scholarship in the PRC. In light of the transnational experiences of the selected scholars—especially their enormous cultural translations—the research approach of Global Legal History9 may also prove an enriching perspective on Chinese legal scholarship.
学者们对中国法律的发展。鉴于专著中缺乏女性学者,在法律研究和教育中关注中国女性的方法8可能有助于更全面地了解中国的法律学术。鉴于所选学者的跨国经历,特别是他们巨大的文化翻译,《全球法律史》9的研究方法也可能为中国法律学术提供一个丰富的视角。
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引用次数: 0
期刊
Asian Journal of Law and Society
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