金融科技风险产生缘由、负面效应及其防范体系构建

The Causes, Negative Effects and the Construction of Prevention System of Financial Science and Technology Risks

随着大数据、云计算、移动互联网、人工智能、区块链等新兴技术在金融领域的广泛运用,金融科技应运而生,对传统的金融生态产生了深刻影响。金融科技风险包括金融科技合规风险、金融科技操作风险、金融科技信用风险、金融科技法律风险、金融科技市场风险、金融科技流动性风险、金融科技声誉风险,具有复杂性、内生性、非平衡性、易变性。防范金融科技风险及其给现有风险防范体系带来的冲击,应从金融科技平台建设、合规科技应用、金融安全与反欺诈技术开发着手加强金融科技基础设施建设;从创建金融风险监测预警体系、完善监管沙箱模式、优化监管科技生态环境着手发展监管科技;从完善金融科技法律、制度、人才、政策服务、监管基本规则、信用体系着手构建金融科技风险全面管理体系。

With the wide application of new technologies such as big data, cloud computing, mobile internet, artificial intelligence and blockchain in the financial field, financial technology emerges as the times require, which has a profound impact on the traditional financial ecology. Financial science and technology risk includes compliance risk, operation risk, credit risk, legal risk, market risk, liquidity risk,and technology reputation risk of financial science and technology, which is complex, endogenous,unbalanced and changeable. In order to prevent the risk of financial science and technology and its impact on the existing risk prevention system, we should strengthen the construction of financial science and technology infrastructure from the construction of financial science and technology platform, the application of compliance science and technology, the development of financial security and anti fraud technology;develop supervision science and technology from the establishment of financial risk monitoring and early warning system, the perfection of supervision sandbox mode, and the optimization of supervision science and technology ecological environment;and improve gold financial science and technology law,system, talent, policy service, basic rules of supervision and credit system should be integrated to build a comprehensive financial science and technology risk management system.