信息科技发展与金融政策响应

Information Technology Development and Financial Policy

金融科技对金融体系产生了重要影响,新科技对包含支付体系在内的传统金融业务系统正产生冲击,甚至变革和替代。本文首先分析了中国目前主要的金融业务系统及其特点,在此基础上分析信息科技与金融政策的相互作用,总结金融政策对金融科技的一般考虑:要既能支持科技创新、取代传统技术,同时又能保持系统连续性,防止出现大规模风险和大规模欺诈等。

Financial technology(FinTech) has had a major impact on the financial system. New technologies are influencing traditional financial business systems, including payment systems, and disrupting markets at times. This paper analyzes China’s key financial business systems and their characteristics. It also takes an in-depth look at the relationship between new and traditional technologies and assesses the interaction between information technology and financial policy. It concludes that the broad considerations in financial policy in the technology arena are sometimes in conflict;they range from supporting technological innovation and replacing traditional technology to maintaining system continuity and preventing large-scale risks and fraud.