金融科技对金融监管机构的影响及对策

The Impact of Financial Technology on Financial Regulators and Countermeasures

近年来,科学技术飞速发展,有效推进了金融服务业的茁壮成长,也给金融监管机构造成了难以预料的冲击。如何合理运用科技手段促进金融行业发展,寻求金融安全与金融效率的适度平衡,成为各国金融监管机构亟待解决的现实问题。本文主要详细分析了我国当前金融科技发展现状,全面评估了金融科技对金融监管机构造成的影响,总结概述了国外发达国家在金融监管科技行业方面的监管经验,并就如何加强金融科技发展规划、营造金融科技发展环境,完善金融科技监管体系、统一金融科技监管规则,实施灵活监管策略,防控金融科技创新风险,加强金融科技监管合作、参与全球金融科技治理等方面提出政策建议。

In recent years,the rapid development of science and technology has effectively promoted the vigorous growth of the financial services industry,and has also caused unpredictable impacts on financial regulators.How to use scientific and technological means to promote the development of the financial industry and seek an appropriate balance between financial security and financial efficiency has become a real problem to be solved by financial regulatory agencies in various countries.This article mainly analyzes the current status of China’s financial technology development in detail,comprehensively assesses the impact of financial technology on financial regulatory agencies,summarizes and summarizes the experience of foreign developed countries in the financial regulatory technology industry,and discusses how to strengthen the development of financial technology.Plan and create a fintech development environment,improve the fintech regulatory system,unify the fintech regulatory rules,implement flexible regulatory strategies,prevent and control fintech innovation risks,strengthen fintech regulatory cooperation,and participate in global fintech governance to make policy recommendations.