我国金融科技的风险问题与监管对策研究

Risk Problems and Supervision Countermeasures of Fintech in China

近年来,我国金融科技发展乘势而上,在提高金融服务质效、推进金融业数字化转型的同时,也存在侵害消费者权益、不利于市场公平竞争和加剧金融市场波动等一系列问题。应从重塑金融科技监管理念、建立健全金融科技监管体系、重视金融科技的法律规制、完善金融消费者权益保护机制、维护公平竞争的金融市场秩序、完善监管方式、推进协同监管和充分发挥多元主体监管作用等方面进行有效监管,以保障金融科技的创新发展。

The development of China’s financial science and technology has taken advantage of the momentum in recent years.While improving the quality and efficiency of financial services and promoting the digital transformation of the financial industry,there are also a series of problems that infringe on the rights and interests of consumers,are not conducive to fair competition in the market and aggravate the volatility of the financial market.In order to ensure the innovation and development of financial science and technology,effective supervision should be carried out from the aspects of reshaping the concept of financial science and technology supervision,establishing and improving the financial science and technology supervision system,paying attention to the legal regulation of financial science and technology,improving the mechanism of protecting the rights and interests of financial consumers,maintaining the financial market order of fair competition,improving the supervision methods,promoting the coordinated supervision and finally giving full play to the role of multi-disciplinary supervision.