因应数字化转型的金融消费者保护:源流与规制

Financial Consumer Protection in Response to Digital Transformation:Origin and Regulation

近年来,科技与金融的结合愈发紧密,金融市场数字化转型的趋势不可逆转,且呈现高度融合与加速发展的态势。当前,数字化转型下的金融市场风险逐渐显现:企业金融化普惠表象蕴藏高杠杆与高泡沫,数字技术发展构成的天然技术鸿沟加剧对金融消费者的金融排斥,大数据应用于金融领域威胁金融数据安全。我国在数字金融时代的金融消费者保护范式构建中,应通过厘清监管理念、激发市场活力,健全监管体系、增加监管专业性,打破金融壁垒、缩小信息鸿沟等措施,回应数字金融背景下金融消费者保护面临的新型风险,适应金融市场数字化转型的新形势。

In recent years,science and technology have been in closer connection with finance,and the digital transformation of financial market is accelerating and is highly integrated.However,risks of the financial market under the digital transformation gradually appear:the high leverage and bubble behind the inclusiveness of enterprise financialization,the technology gap of the development of digital technology that aggravates the financial exclusion of financial consumers,and the application of big data in the financial field that threatens the security of financial data.In the construction of financial consumer protection paradigm in the digital financial era in China,we should respond to the new risks faced by financial consumer protection under the background of digital finance and adapt to the new situation of digital transformation of financial market by clarifying the regulatory concept,stimulating market vitality,improving the regulatory system,improving expertise of regulatory work,breaking down financial barriers and narrowing the information gap so as to adapt to the new situation of digitalization of the financial market.