论沙盒监管在我国互联网金融领域的运用

The Application of Regulatory Sandbox in China's Internet Banking Field

在"互联网+"时代,金融领域广泛采用互联网技术进行商业模式创新,以弥补传统金融机构提供服务的不足,但也随之出现了一些新问题,传统的金融监管政策和方法对此显得力不从心。沙盒监管,可以更好地保护金融消费者的权益,有助于提高互联网金融机构业务创新效率,促进监管部门充分发挥监管职能,推动整个金融市场体系的良性发展。

With the implementation of Internet plus,the financial sector will further widespread adoption of Internet technology business model innovation.While making up for the lack of services provided by traditional financial institutions,there are also some new problems,while the traditional financial supervision policies and methods are slightly stretched in the field of Internet finance.Sandbox monitoring can be used as an innovative regulatory means to solve the problems brought about by the Internet financial innovation.The use of sandbox supervision can better protect the rights and interests of financial consumers,and also help to improve the efficiency of business innovation of Internet financial institutions,promote the full play of regulatory functions of regulatory authorities,and promote the sound development of the entire financial market system.