金融科技背景下金融数据监管模式构建

Construction of Financial Data Supervision Mode under the Background of Financial Technology

传统金融监管主要依靠金融机构自报其内部数据,金融监管机构在客观金融数据收集过程中面临隐蔽性信息不对称及敏感性信息不对称的问题,所获得的数据存在失真、空白。随着金融科技的发展,传统金融监管的滞后性更趋明显。监管是社会共治性治理,金融机构与监管机构之间应进行合作性监管。金融机构带来金融科技,监管机构则需要吸收与之相配套的监管科技,以提高监管效率。通过搭建金融数据监管平台对金融机构的数据应用系统进行对接,由监管机构实时对金融数据采取访问、筛选、运算、测评等模块算法,将宏观金融监管政策与微观金融数据以数据共享形式融合为金融数据库,建立金融数据实时监管模式。金融数据监管以可视化的科学方式对金融数据进行运算、评估以及科学预测,及时发现风险聚集点和监管漏洞,防范系统性风险。

Traditional financial supervision mainly relies on financial institutions to self-report their internal data. Financial regulatory agencies face hidden information asymmetry and sensitive information asymmetry in the process of objective financial data collection. The data obtained are distorted, blank and lagging. With the development of fintech, the lag of traditional financial regulation becomes more and more obvious. Supervision is a social co-governance,and there should be cooperative supervision between financial institutions and regulatory agencies. Financial institutions bring financial technology, and regulators need to absorb the corresponding regulatory technology to improve regulatory efficiency. By constructing a financial data supervision platform to link the data application system of financial institutions, the regulatory agency adopts module algorithms such as access, screening, calculation and evaluation of financial data in real time, and integrates macro financial supervision policies and micro financial data into financial database in the form of data sharing and establish a real-time supervision mode of financial data. Financial data supervision operates, evaluates and makes scientific predictions on financial data in a visual and scientific way, and timely finds out risk accumulation points and regulatory loopholes to prevent systemic risks.