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科技如何应用于金融监管?

How to Apply Technology into Financial Supervision?
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摘要 近年来,随着金融科技的不断深入发展,科技在金融监管中的运用日益增多,二者相互结合逐步形成监管科技(Reg Tech),主要做法包括引入人工智能、机器学习、大数据、区块链、算法工具等搜集处理监管数据,加强风险管理和交易监控、履行监管报告义务,防范洗钱、欺诈、内幕交易等违规行为,维护金融稳定。但同时,监管科技运用也面临着数据质量、系统安全、监管套利、声誉风险等问题,需要从重视监管科技发展、加强人才培养、完善数据治理框架、强化审慎监管、加强风险防范等方面不断改进。 In recent years, the application of technology in financial supervision has been increasing along with technological development, creating what is known as regtech. The main areas include the introduction of artificial intelligence, machine learning, big data, blockchain, and algorithm tools. These are used to collect and process regulatory data, strengthen risk management and transaction monitoring, fulfill regulatory reporting obligations, and prevent money laundering as well as fraud, insider trading and other irregularities. The ultimate objective is to maintain financial stability. However, the application of regtech also faces problems such as data quality, data security, regulatory arbitrage, and reputation risk. It is necessary to pay attention to the development of regtech, strengthen personnel training and prudential supervision, improve the data governance framework, and enhance risk prevention.
作者 孔文佳
出处 《金融市场研究》 2022年第9期127-134,共8页 Financial Market Research
关键词 科技 金融监管 挑战 建议 Technology Financial Regulation Challenge Suggestion
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