Fintech监管模式的国际经验及对我国的启示

The International Experience of Fintech Supervision Mode and Its Enlightenment to China

Fintech(金融科技)是以人工智能、大数据、云计算、区块链技术、移动互联网等科技手段为核心的金融创新。金融科技在给社会经济带来巨大进步的同时,也产生了新的风险,迫切需要监管部门对其加以有效监管,引导金融科技的健康有序发展。本文结合当前金融科技在全球快速发展的大背景,梳理了我国监管部门对金融科技监管的主要做法,以及部分发达国家和国际组织在金融科技监管方面的尝试。最后,对我国金融科技监管提出了政策建议。

Fintech is a kind of financial innovation whose core technology is big data, cloud computing, block-chain technology and mobile internet. As the development that Fintech brings to us, it also generates new risks which require regulatory authorities to take effective supervision measures. In this paper, on the basis of the quick development of Fintech,we summarize measures of Fintech regulation taken by regulatory authorities in China and the practice of Fintech regulation in some developed countries and international organizations. At last, We put forward several proposals about how to improve the Fintech regulation for the regulatory authorities in China.