论金融领域的颠覆创新与监管重构

On the Disruptive Innovation and Regulation Restructuring in the Financial Sector

金融的颠覆创新是新技术冲击传统金融体系、引发市场变革的产物,金融与新技术结合、产融结合、金融混业等是金融创新发展的重要趋势。金融监管的重构,必须以金融消费者保护为核心,改变过去审慎监管的模式,更加强调行为监管和功能监管,坚持宏观与微观相结合,加强行业自律监管,完善信息工具的风险规制作用,建立事前监管预警监测体系,突出大数据的监管。区块链金融是未来金融业态的一个可能代表,具有突出的应用前景。必须探索一条具有中国特色的金融发展路径,赢得新一轮全球创新竞争领导者的位置。

Financial disruptive innovation is a result due to the impact of the new technology on the traditional financial system and also to the ensuing market reform. The combination of finance and new technology the combination of production and financing, and financial mixed operation are important trends in the development of financial innovation. The reconstruction of financial supervision must center on protecting financial consumers, change the past prudential supervision mode, place more emphasis on behavioral regulation and functional supervision, pay attention to integrating macro and micro aspects, strengthen industry self-regulation, improve the risk regulation effect of information tools, build an early warning, monitoring and regulation system, and stress the big data supervision. The block chain finance is a possible choice in the future financial business format, with great prospect of wide application. China must explore a financial development path with Chinese characteristics, and win a leading position in the new round of global innovation competition.