监管科技(RegTech)的理论基础、实践应用与发展建议

The Theoretical Basis,Practical Application and Development Suggestions of RegTech

近年来,随着金融科技的快速发展,金融产品和金融供给创新层出不穷,在有效提升金融服务便利性和可得性的同时,金融风险也出现了一些新特征,这些新型金融风险倒逼监管改革,因此监管科技适时地被引入讨论和应用。监管科技应被视作在整个金融系统中,帮助企业处理监管合规和风险控制等相关问题的各种信息技术应用和解决方案。监管科技的潜在价值远大于降低金融机构合规成本,它将有助于建立一套金融运营实时监测,风险识别、评估及处置的监管体制。我国监管科技起步晚,基础较为薄弱,与发达国家相比有较大进步空间,因此应从顶层设计角度及早谋划我国的监管科技产业布局,制定监管科技发展长期规划,提高金融监管的质量和效益,增强我国金融业核心竞争力。

In recent years,with the rapid development of FinTech, innovations of financial products and supplies emerge one after another. When financial service is greatly upgraded with its convenience and availability, financial risks come up with new features. All these newly emerged financial risks require regulatory reform. Therefore, RegTech is introduced to discussion and application. RegTech should be seen as all kinds of information technology applications and solutions to assist companies with their regulatory compliance and risk control within the financial system. The potential value of RegTech is more than just reducing costs of regulatory compliance for financial institutions. It helps to establish a regulatory regime for real-time monitoring, risk identification, assessment and disposition of financial operation. As China starts late in RegTech,there is a long way to go compared with other developed countries. So we should make an overall arrangement and a long-term development plan for RegTech in China as soon as possible, so as to improve the efficiency of financial regulation and strengthen the core competitiveness of China’s financial industry.