监管科技在影子银行风险防范中的应用及研究

Research on Applications of RegTech in Shadow Banking Field

当前作为金融科技的子集,监管科技在世界范围内的发展备受瞩目,全球主要监管当局和金融机构都将监管科技视为提高监管效率、降低合规成本的有效手段之一。监管科技在反洗钱、信贷风控等方面的应用已取得良好成效。然而,在影子银行等金融风险较为突出的领域如何应用监管科技提质增效的研究依然较少,本文仔细梳理和分析了监管科技在我国影子银行领域的应用,并提出了相应的监管建议。

Currently, as a subset of FinTech, RegTech has attracted much global attention. The major regulatory authorities and financial institutions regard RegTech as one of the effective means to improve regulatory efficiency and reduce compliance costs. The application of Regtech in anti-money laundering, credit risk control and other aspects has achieved good results. However, there are still few studies on how to apply RegTech to improve quality and efficiency in shadow banking field. This paper summarizes and analyzes the application of RegTech in the field of shadow banking in China, and proposes corresponding regulatory recommendations.