金融科技背景下的金融监管研究——基于监管科技的视角

Research on Financial Supervision Under the Background of Fintech--From the Perspective of SupTech

科技是一把"双刃剑",科技与金融的深层次融合在促进金融普惠发展的同时,也给金融业带来了新的风险;科技在金融业的广泛应用给金融监管带来新挑战的同时,也为金融监管机构提升监管效率、改善监管水平提供了新的技术思路和解决方案。在金融科技快速发展的大背景下,一方面,金融创新业态的不断涌现、传统金融风险的异化和新金融风险的出现对我国金融监管提出了更高、更新、更多的要求;另一方面,由于监管责任与监管资源不匹配、监管技术手段不足、监管滞后于金融创新以及监管套利等一系列问题的存在,我国金融监管机构面临着严峻的挑战。鉴于此,研究探讨如何通过技术手段来改善监管,利用"科技+监管"应对"科技+金融"带来的各种挑战具有很强的实践意义和理论价值。

The deep integration of technology and finance not only promotes the inclusive development of finance,but also brings new risks to financial industry.The extensive application of technology in financial industry brings new challenges to financial supervision,at the same time,it also provides new technical solutions for financial supervision institutions to improve supervision efficiency.With the rapid development of FinTech,the continuous emergence of financial innovation,the alienation of traditional financial risks and the emergence of new financial risks put forward higher,newer and more requirements for financial supervision.Due to the mismatching of regulatory responsibility and regulatory resources and the lack of regulatory technical methods,financial regulators are facing severe challenges.In view of this,it is of great practical significance and theoretical value to study and discuss how to improve financial supervision by means of technology.