美国金融科技监管及其对中国的启示

American Financial Technology Supervision and Its Enlightenment to China

针对金融科技的发展及其伴生的风险问题,美国采取审慎宽松的监管政策,鼓励金融科技创新;通过健全的法律制度,维护金融科技健康稳定发展;其完善的征信系统也成为美国金融科技发展的重要保障。借鉴美国经验,我国应当妥善处理稳定与创新的关系,把握好金融科技监管力度,并加快金融监管法制化和征信体系建设。

In response to the development of fintech and its concomitant risks,the United States adopts a prudent and relaxing regulatory policy to encourage financial technology innovation;and it maintains a healthy and stable development of financial technology through a sound legal system;its thorough credit system has also become an important guarantee for fintech development in the United States.Drawing on the experience of the United States,we should properly handle the relationship between stability and innovation,grasp the supervision of financial science and technology,accelerate the legalization of financial supervision and the construction of a credit information system.