论金融科技风险的法律监管

On Legal Supervision of Financial Technology Risk

依托大数据、人工智能、区块链等新兴技术,金融领域科技的应用与创新变得频繁,其大规模革新金融业态的同时,不仅存在潜在的非系统性安全风险,也存在着引发系统性安全风险的诱因。金融科技独有的特征引发金融法律规范规制的滞后性、金融监管机构职权难以划分、传统监管手段落后等监管难题。因此,改变传统监管理念、革新监管技术、界定各监管机构职责,建立一套行之有效的监管体系,一方面,能够鼓励金融科技的全面应用与创新;另一方面,能够有效地防控风险、塑造金融科技市场良好的监管和投资环境。

Relying on the emergence of emerging technologies such as big data,artificial intelligence,and blockchain,the application and innovation of science and technology in the financial field have become frequent.While its large-scale reform of the financial format,not only potential non-systematic security risks but also triggers Incentives for systemic security risks,and the unique characteristics of financial technology have also caused regulatory lags in financial laws and regulations,difficulties in dividing the powers of financial regulatory agencies,and backwardness in traditional regulatory methods.Therefore,changing traditional regulatory concepts,innovating regulatory technologies,defining the responsibilities of various regulatory agencies,and establishing an effective regulatory system can,on the one hand,encourage the full application and innovation of fintech,on the other hand,can effectively prevent and control risks and shape The fintech market has a good regulatory and investment environment.