中国农村金融科技创新与监管研究

Research on Innovation and Supervision of Financial Science and Technology in Rural China

近年来,中国农村金融科技创新持续发展,新的农村金融业态重塑农村金融体系,农村金融业的服务质量和服务模式得到快速提升。但受到农村金融市场条件的约束,中国农村金融科技创新主要集中在金融产品环节的创新,而缺乏对农村金融机构内部架构和农村金融产业链的创新。因此,农村金融科技体系规模仍然较小,并未真正实现农村普惠金融发展。对此,文章基于农村金融特征,依靠平台资源整合能力,以协同理念发挥各金融主体优势,创新农村金融科技体系,以实现农村普惠金融发展目标。同时,针对农村金融科技创新过程中可能产生的新金融风险,分别从金融科技监管体系框架、监管模式及监管技术等方面提供解决路径。

In recent years,China's rural financial science and technology innovation continues to develop,the new rural financial forms reshape the rural financial system,its service quality and service model has been rapidly improved.However,constrained by the rural financial market conditions,China's rural financial technology innovation is too concentrated in the link of financial products innovation,lack of rural financial institutions internal structure and rural financial industry chain innovation.Therefore,the scale of rural fintech system is still small,and rural inclusive financial development has not been truly realized.In this regard,this paper,based on the characteristics of rural finance,relies on the platform resource integration ability,gives full play to the advantages of each financial subject with the collaborative concept,innovates the rural financial technology system,and achieves the development goal of rural inclusive finance.At the same time,in view of the new financial risks that may arise in the process of rural fintech innovation,the paper provides solutions from the aspects of fintech regulatory system framework,regulatory model and regulatory technology.