监管科技、金融发展与中国金融监管创新

RegTech, Financial Development and Innovation of Financial Regulation in China

在防范系统性金融风险时,金融监管机构能够通过监管科技有效提升监管能力,使金融业更好地服务实体经济。借鉴英国等国家的监管科技、监管沙盒等监管创新经验,中国金融监管机构逐步将监管科技应用于反洗钱、企业画像、风险监控等领域。本文建议监管机构进一步深化落实穿透监管体系,加强客户数据安全管控,优化实体产业的融资体系,构建社会信用体系,优化监管沙盒机制;以及运用监管科技实现监管创新,为金融机构提供创新发展的沃土,为大众提供更优质的金融服务。

While preventing systemic financial risks,financial supervision institutions can effectively enhance their supervisory capabilities by using RegTech,and enable the financial industry to better serve the real economy.Drawing on regulatory innovations in many countries such as the UK on RegTech and regulatory sandboxes,China financial supervision institutions such as the People's Bank of China,the China Banking and Insurance Regulatory Commission,and the China Securities Regulatory Commission have conducted research on financial technology and regulatory technology,and applied them to anti-money laundering,corporate portraits,and risk monitoring.What is more,regulators should further safeguard the data security of customers,deepen the implementation of the financial regulatory penetration,optimize the investment and financing system of entitative industry,build a social credit system,and improve regulatory sandbox mechanism.With the help of RegTech,regulators could achieve the regulatory innovation.And then,regulators should further take advantage of RegTech to achieve the regulatory innovation,on one hand,provide an innovative space to financial institutions,on the other hand,indirectly provide better financial services to the people.