金融科技:发展、影响与监管

Financial Technology:Development,Influence and Supervision

本文在分析金融科技的演变趋势和发展现状的基础上,对中美金融科技进行了比较,探讨了金融科技对金融与实体经济的影响,提出了相应的监管对策。研究结果表明:金融科技充分发挥了技术革新对金融的赋能作用,拓展了金融服务边界,让信用可量化、价值化,优化产品服务形态,改善客户体验,促进了实体经济的发展。我国应借鉴金融科技监管的国际经验,逐渐建立和完善金融科技监管框架,前瞻性地评估金融科技风险,建立动态风险预警体系,用科技手段监管金融科技,加强监管国际协作。

Based on the analysis of the present situation and the evolution trend of financial science and technolo- gy, this paper compares the financial technology between China and the United states. To investigate the effect of f＇man- cial technology on the finance and the real economy, it puts forward corresponding regulatory measures. The results show that the financial technology can give full play to the role of technological innovation in finance, expand the fi- nancial service boundary, make the credit quantifiable, value and optimize the product service form, improve the cus- tomer experience and promote the development of the real economy. China should learn from the international experi- ence of financial technology supervision, gradually establish and improve the regulatory framework of financial tech- nology, prospectively assess the risks of financial technology, establish a dynamic risk early-warning system, moni- tor financial technologywith scientific and technological means and strengthen the international cooperation on supervi- sion.