金融科技潜在风险、监管挑战与国际经验

On the Potential Risks of Financial Technology and the Challenges and International Experience in Regulating Its Development

金融科技以科技带动金融创新,以科技完善金融体系,是实现金融与科技高度融合的重要途径。金融科技的快速发展降低了金融风险的集中度,提高了风险管理能力,推动了金融业的颠覆性改革。同时,金融科技在金融业务中的应用,扩大了金融风险的传播途径,风险变得愈发隐蔽、复杂,是监管部门迫切需要解决的难题。结合我国金融科技的发展现状,探讨了金融科技风险的类型及特征,分析了我国金融科技风险监管实践过程中存在的主要问题和面临的严峻挑战,在吸收国外先进监管经验的基础上,提出提高金融科技监管水平、防范化解系统性金融风险的相关政策建议。

Financial technology (Fintech) which promotes financial innovation and improves financial systemwith technology, is an important way to realize a high degree of integration of finance and technology. The rapiddevelopment of Fintech decreases the concentration of financial risks, improves the capability of risksmanagement, and propels disruptive reforms in financial industry. Meanwhile, the application of Fintech infinancial businesses expands the transmission channels of financial risks, making risks less noticeable and morecomplex, which is a difficult problem in urgent need of resolution for regulatory department. By referring to thestatus quo of the development of China’s Fintech, this article explores the types and characteristics of Fintechrisks and analyzes the main problems and tough challenges in the process of regulating Fintech risks in China.In addition, this article, on the basis of absorbing advanced foreign regulation experience, puts forward relevantpolicy suggestions on elevating the level of Fintech regulation and preventing and defusing systemic financialrisks.