基于金融科技发展视角的金融监管体制改革路径研究

Research on the Reform Path of Financial Regulatory System from the Perspective of Fintech Development

2023年3月发布的《党和国家机构改革方案》开启了我国金融监管体制改革的新阶段。在金融科技发展日新月异的当下,监管体制改革的进一步深化必须重视对金融科技的监管。对金融科技应用现状进行梳理,探讨金融科技对监管体制形成的挑战。金融科技突破了传统金融监管的范围,使金融监管体制的适应性降低,传统监管方式与规则在面对金融科技时容易出现失灵的情况。金融科技在为监管体系提供监管技术手段的同时,也将金融科技的固有技术风险与操作风险带入监管体系。在深化监管体制改革的过程中,要推动监管体制与金融科技监管的融合,突出监管科技的应用,加强内涵建设,并充分借鉴金融科技监管的国际经验。

The Reform Plan of Party and State Institutions released in March 2023 has opened a new stage of financial regulatory system reform.In the current era of rapid development of fintech,further deepening of regulatory system reform must attach importance to the supervision of fintech.This paper sorts out the application status of fintech,and explores the challenges that fintech poses to regulatory systems.Fintech has broken through the scope of conventional financial regulation,lowering the adaptability of the financial regulatory system,and conventional regulatory techniques and standards are vulnerable to failure in the face of fintech.While fintech provides the regulatory system with certain regulatory technical methods,it also brings the inherent technical risks and operational vulnerabilities of fintech into the regulatory system.In the process of deepening the reform of the regulatory system,it is necessary to promote the integration of the financial regulatory system and fintech regulation,highlight the application of regulatory technology,strengthen connotation construction,and fully draw on international experience in fintech regulation.