金融监管科技:基本原理及发展展望

Financial Regulation Technology: Basic Principle and Development Prospective

监管科技可以给金融机构带来巨大的效率提升和更有效的合规。本文首先对此轮金融监管改革进行综述,并通过分析宏观审慎政策、微观审慎监管理论来构建一个分析金融监管科技的框架,并通过对IIF的一份关于监管科技的报告分析解读,探讨为什么需要监管科技,对监管科技的基本原理进行初步的研究,并对其发展及应用进行展望。

A new round of reform of the regulatory system,together with the new development in financial technology,all these call for financial regulation technology(RegTech).This paper firstly summarizes the new financial regulatory reform,and then analyzes the macro-prudential policy,micro prudent supervision theory to build an analysis framework for financial regulation technology.Through our IIF report analysis and interpretation,we then explore why we need regulation technology,and what is the basic principle of regulation technology,and what's its potential development and application in the future.