金融科技背景下金融监管理念的转变路径研究

Research on the Paths of the Transformation of Financial Regulatory Philosophies with Fintech

金融科技在促进大众金融、普惠金融的同时,改变了金融风险的传统特征,金融科技风险更加具有隐藏性和传染性,结构性问题突出,跨业性显著。现行金融监管体制已不足以应对金融科技发展带来的挑战,且面临着一系列难题,这就要求监管者必须转变监管理念,从静态监管走向动态监管,灵活应用原则监管和规则监管,坚持包容性监管,大力发展监管科技。

While promoting mass fi nance and fi nancial inclusion,fi ntech has changed the traditional characteristics of fi nancial risks,with fi ntech risks becoming more hidden and contagious,structural problems prominent,and inter-industry significant.The current financial regulatory system is inadequate to meet the challenges brought by the development of fi ntech and faces a series of diffi culties,which requires regulators to change their regulatory philosophy,move from static regulation to dynamic regulation,apply principle regulation and rule regulation flexibly,adhere to inclusive regulation,and vigorously develop regulatory technology.