数字金融背景下我国金融监管制度之探究

Research on China’s Financial Supervision System under the Background of Digital Fi-nance

随着金融数字化的发展,传统监管制度显示出了滞后性,在风险控制、金融消费者权益保护、监管方式等方面与当前的数字金融市场脱节,应当借助大数据、人工技能等新型科技手段来完善我国的金融监管制度,以统筹型监管模式为主,对数字金融业务实施穿透式监管,完善征信体系建设,使金融市场更健康地发展。

With the development of financial digitization, the traditional regulatory system shows a lag, which is out of touch with the current digital financial market in risk control, financial consumer protec-tion, regulatory methods and other aspects. We should use big data, artificial skills and other new scientific and technological means to improve China’s financial regulatory system, focus on the overall regulatory model, implement the digital financial business through supervision, and im-prove the credit system construction, so as to make the financial market develop more healthily.