金融科技的发展与监管研究

Research on the Development and Regulation of Financial Tech

随着新兴科技的兴起,在金融行业应用的金融科技成为推动世界经济金融发展的新引擎,金融科技成为全球金融的研究热点。当前我国金融科技领域创新热情高涨,中国的移动支付现已经达到全球领先水平。文章介绍了国内外对金融科技监管的政策及金融科技下新金融业态发展的情况,分析了金融科技对金融业的挑战,并提出了相关建议。

With the rise of new technology,financial tech applied in finance has become a new engine to promote the development of world economy and finance,and financial tech has become the research hot spot of global finance. Currently innovation enthusiasm of financial tech is high in China,China's mobile payment has reached the world's leading level. This paper introduces the development of new finance under the financial tech,analyzes the challenges of financial tech to the finance,and further introduces the policy content of the regulation of financial tech at home and abroad,and puts forward relevant suggestions.