试论我国监管科技的应用困境及路径选择

On the Application Dilemma and Path Choice of Regtech in China

监管科技旨在通过金融监管手段和方式来提高监管效率并降低监管成本,但是随着监管科技的深入发展,其已不单单是属于金融科技中的一个子集。本文从监管科技的发展历程出发强调其已不仅仅是监管的工具,更代表着未来监管变革的方向,在此基础上论述我国在推行监管科技中存在的障碍,包括监管科技发展动力不足、监管理念落后、算法困境等;最后给出我国发展监管科技的应对策略。

In order to cope with the risks and regulatory changes brought about by the rapid development of finan-cial technology,the concept of Regtech has been proposed,aiming at improving the efficiency of supervision and re-ducing the cost of supervision by means and methods of financial supervision.However,with the further development of Regtech,it is not only a subset of Fintech.Starting from the development process of Regtech,this paper emphasiz-es that it is not only a regulatory tool,but also represents the direction of future regulatory change.On this basis,this paper discusses the obstacles existing in the implementation of Regtech in China,including inadequate motivation for the development of Regtech,backward regulatory concepts,and algorithmic dilemma.Finally,it gives the counter-measures for the development of Regtech in China.