论金融科技创新与金融监管平衡

On the Balance between Financial Technology Innovation and Financial Regulation

金融科技加快了金融创新进化与革新的步伐,在金融科技的发展与创新过程中,监管机构能够起到一定指引作用,金融科技也一定程度上推动着金融监管的新发展。但监管一定程度上会制约创新,在金融与科技快速发展、不断融合的浪潮下,对于监管机构而言,需要合理平衡金融监管与金融自由两者之间关系,要在鼓励金融创新、推动金融技术发展的同时,解决有效监管的问题。引入监管科技,主导监管科技的应用与发展,构建以数据监管为核心内容、以新科技为基础的科技监管体系,推进试验性监管是我国监管机构平衡金融创新与金融监管的新思路。

Financial technologies have boosted the pace of financial innovation.Although FinTech spurs the development of financial regulation,financial regulators have a duty to guide FinTech.However,regulation,to a certain degree,usually inhibits innovation.For regulators,it is important to strike a balance between financial regulation and freedom so as to encourage innovation and diminish loopholes.Therefore China’s financial regulators should enlist regulatory technologies,dominate the application and development of RegTech.Based on new techniques,a data-oriented technological regulatory system should be established and an experimental model of regulation could be explored.