监管科技的数据逻辑、技术应用及发展路径

发布时间：2018-04-15 23:12

  本文选题：金融监管 + 金融科技　； 参考：《南方金融》2017年10期

【摘要】：监管科技将金融科技的典型技术与监管合规要求进行有机融合,提升监管机构的监管效能以及金融机构、金融科技企业的合规效率。加快监管科技应用成为新形势下金融监管方式、机制创新的新思路、新路径。监管科技在数据逻辑上,强调以数据驱动来优化金融机构负债端、资产端业务的监管流程,通过监管流程的数字化,提升监管的有效性、针对性,运用数据技术构建安全、稳定、可信任的数字资产监管环境。然而,监管科技在应用实践中也面临着现实障碍:金融机构和金融科技企业IT系统更新升级滞后,难以满足监管科技的数据要求和合规要求;监管法律法规制度建设滞后,难以实现监管机构对金融机构和金融科技企业数据的有效对接和集中化管理。推进监管科技的应用,在金融机构层面,要加强监管科技基础设施建设,强化监管科技协同创新;在立法层面,要制定和完善与监管科技相关的数据安全、使用、流通和共享等方面的法律法规;在监管层面,要建立包括监管科技在内的金融科技应用的行业标准,加强监管部门协同联动,促进金融科技规范、有序发展。
[Abstract]:Regulatory technology organically integrates the typical technology of financial technology with regulatory compliance requirements to enhance the regulatory effectiveness of regulators and the compliance efficiency of financial institutions and financial technology enterprises.Speeding up the application of science and technology has become a new way of financial supervision and mechanism innovation under the new situation.In the aspect of data logic, the supervision technology emphasizes on optimizing the supervision process of financial institution's debt end and asset end business by using data drive. By digitizing the supervision process, enhancing the effectiveness and pertinence of supervision, and using data technology to construct safety,Stable, trustworthy digital assets regulatory environment.However, the application of regulatory science and technology also faces practical obstacles: financial institutions and financial technology enterprises IT system update and upgrade lags behind, it is difficult to meet the data requirements and compliance requirements of regulatory science and technology, the construction of regulatory laws and regulations lags behind.It is difficult to realize the effective docking and centralized management of financial institutions and financial technology enterprises.To promote the application of regulatory science and technology, at the level of financial institutions, it is necessary to strengthen the supervision of the construction of scientific and technological infrastructure and strengthen the cooperative innovation of regulatory science and technology; at the legislative level, it is necessary to formulate and improve data security related to regulatory science and technology and use it.At the regulatory level, we should establish industry standards for the application of financial science and technology including supervision and technology, strengthen the coordination of regulatory departments, and promote the standardization and orderly development of financial science and technology.
【作者单位】： 中国邮政集团公司培训中心;对外经济贸易大学金融学院;
【基金】：2017年度河北省社会科学基金项目《金融地理视角下的法治建设、金融包容与小微企业集群融资结构优化实证研究》(项目编号:HB17YJ100) 2016年度河北省科技厅科技计划自筹经费项目《河北省P2P网贷平台的金融风险评估及其监管研究》(项目编号:16455326)的资助
【分类号】：F832.1;TP18
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本文编号：1756234