论监管科技的双层容错机制

A Double-layered Mechanism of Fault Tolerance in RegTech

数字经济发展进入“深化应用、规范发展和普惠共享”时期,金融科技与监管科技却仍处于错步演进过程中。监管科技创新易于失败有其特殊性和深刻根源,有必要强化监管科技和金融科技双层容错机制。在监管机关、第三方技术提供方和被监管机构的三元目标冲突下,监管科技与合规科技面临衔接失灵的困境,应转变理念走向容错性监管。容错性监管并非不监管抑或运动式监管,而是按照法定程序给予相对容错空间,激励创新并推动实现可持续发展的监管,其以社会整体利益为导向,强调在常态化监管中稳定预期。在双层容错机制中,中央金融委员会和中央金融工作委员会是上层容错主体,容错免责的客体是担当作为、勇于创新的金融监管者,容错内容应从单纯的开发区域试验田,向全面推动监管科技创新发展与风险防范双头并进转化,同时突出程序优先性与问责精准化。

The development of the digital economy has entered a phase of"deepened application,standardized development,and inclusive sharing",while FinTech and RegTech are still in an asynchronously evolutionary process.The innovation of RegTech is prone to failure,which has its own unique characteristics and deep-rooted causes,thus it is necessary to strengthen the double-layered mechanism of fault tolerance in terms of RegTech and FinTech.Faced with trilemma in objectives of regulatory authorities,third-party technology providers,and regulated institutions,the RegTech and ComTech is facing the predicament of unsuccessful connection,thus it is necessary to make a shift towards a concept of tolerant regulation.Tolerant regulation does not mean"non-regulation"or"campaign-oriented regulation",instead it is a kind of regulation that provides a relative margin of error according to legal procedure,encourages innovation,and promotes the regulation capable of realizing sustainable development,with a focus on the overall social interests and stable expectations in normal regulatory practices.In the double-layered mechanism of fault tolerance,the Central Financial Commission and the Financial Work Committee serve as the tolerance body in the upper layer,while the object of tolerance and exemption is the financial regulators who take responsibility to act and are brave enough to innovate.The content of tolerance should shift from purely developing regional experimental fields to comprehensively promoting the simultaneous development of RegTech innovation and risk prevention.At the same time,the priority of procedures and the precision of accountability should be emphasized.