金融科技信贷的市场结构、业务模式及对金融稳定影响研究

FinTech Credit: Market Structure,Business Models and Financial Stability Implications

近年,随着金融科技(FinTech)信贷业务的快速发展,各国政策制定者越来越关注FinTech信贷业务所产生的金融稳定风险以及如何制定监管规则。2017年5月,金融稳定理事会(FSB)发布《金融科技信贷的市场结构、业务模式和对金融稳定的影响》,全面阐述了全球FinTech信贷市场的规模和结构、主要业务模式、存在的风险及对金融稳定产生的影响,梳理总结了目前各国的审慎监管政策和措施。本文对相关内容进行了整理、编译,以期为我国FinTech平台监管提供借鉴。

With the rapid increasing of FinTech credit, there might be certain impact on global financial stability. Policy makers all over the world pay close attention to the financial stability risks arising from the credit activities of FinTech platform. Recently, the Financial Stability Board(FSB) issued "FinTech credit: Market structure, business models and financial stability implications", a comprehensive report on global FinTech credit, including the market size and structure,main business models, and the financial stability risk. Furthermore, this report summarizes the current national prudential supervision policy and measures on FinTech credit. We compile the relevant contents in order to provide reference for China's FinTech credit regulation.