金融科技发展对金融稳定的影响及对策研究

The Impact of Financial Technology Development on Financial Stability and Countermeasures

近年来,以分布式技术、互联技术、人工智能、大数据等为代表的金融科技迅速发展,有助于拓展金融资源可分配界限,提升金融资源配置效率。金融科技实质上在金融行业内构造了一种新的"生产函数",极有可能对现存的金融业态和金融稳定产生一定的负面冲击。本文拟从理论上探讨金融科技发展对金融稳定的影响机理,并提出具有针对性的对策建议。

In recent years,the rapid development of financial technology represented by distributed technology,interconnected technology,artificial intelligence,and big data has helped the expansion of the allocation of financial resources and improved the efficiency.Financial technology essentially constructs a new "production function"in the financial industry,which is likely to have a certain negative impact on the existing financial format and financial stability.This paper intends to theoretically explore the impact mechanism of financial technology development on financial stability,and propose targeted countermeasures.