Fintech监管的制度创新与改革

发布时间：2018-02-20 14:40

  本文关键词： Fintech 监管创新 监管沙箱 分析框架 淡中心化监管　出处：《湖北社会科学》2017年06期 　论文类型：期刊论文

【摘要】："Fintech"即技术引发的金融创新,主要是指能够对金融行业产生颠覆性影响的科技创新活动。Fintech的迅猛发展能够显著提升金融效率,同时也会带来新的金融风险,因而对现代金融监管提出了新的挑战。为促进金融市场的繁荣与稳定,英美等金融发达国家以及FSB等国际金融组织积极开展Fintech监管的创新探索,形成了监管沙箱、淡中心化监管、风险评估的分析框架等制度成果,从不同侧面揭示了Fintech监管制度的发展方向。这些探索为解决我国Fintech发展超前而监管制度滞后的问题提供了新的思路。未来我国的金融监管改革应当秉持创新发展理念,稳步实施穿透式监管,逐渐实现主动型监管,尝试在新兴领域进行淡中心化监管,以跟上Fintech的时代步伐。
[Abstract]:"Fintech" is a technology-induced financial innovation, mainly refers to the scientific and technological innovation activities that can have a disruptive impact on the financial industry. The rapid development of Fintech can significantly improve financial efficiency, but also bring new financial risks. In order to promote the prosperity and stability of the financial market, developed countries such as the United States and the United States, as well as international financial organizations such as FSB, actively explore the innovation of Fintech supervision, and form a sandbox for supervision. Weak centralized supervision, risk assessment analysis framework and other institutional achievements, This paper reveals the development direction of Fintech supervision system from different aspects. These explorations provide a new way of thinking to solve the problem that China's Fintech development is ahead and the supervision system lags behind. In the future, China's financial supervision reform should uphold the idea of innovation and development. We should steadily implement penetrating supervision, gradually realize active supervision, and try to carry out light centralized supervision in emerging fields in order to keep pace with the times of Fintech.
【作者单位】： 武汉大学中国边界与海洋研究院;
【基金】：教育部人文社会科学重点研究基地重大项目“国际金融法律秩序变革研究”(11JJD82009)的阶段性研究成果
【分类号】：D971.2;DD912.28
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本文编号：1519214