摘要
去中心化金融(DeFi)依托分布式区块链技术,实现了金融业态和运行模式的去中心化、去中介化。作为一种新的概念和业态,去中心化金融对以广泛存在金融中介和中心的现行金融体系提出了挑战。面对这种挑战,金融业改革应当坚持市场化和开放化方向,推进金融法治化建设,更多运用“监管沙盒”等新的监管理念和技术,在提高对金融创新包容度的同时,不断提升金融监管的穿透性和专业化水平。
Decentralized Finance(DeFi)relies on the distributed blockchain technology to realize the decentralization and disintermediation of financial formats and operation modes.As a new concept and business form,Decentralized Finance poses a challenge to the current financial system with a wide range of financial intermediaries and centers.In the face of such challenges,the reform of the financial industry should adhere to the direction of marketization and openness,promote the construction of financial rule of law,make more use of new regulatory concepts and technologies such as"regulatory sandbox",and continuously improve the penetration and specialization of financial regulation while improving the inclusiveness of financial innovation.
作者
赵经涛
ZHAO Jingtao(People’s bank of China Lanzhou Center Branch,Lanzhou Gansu 730000)
出处
《西部金融》
2022年第7期31-34,55,共5页
West China Finance
关键词
去中心化金融
金融科技
监管科技
Decentralized Finance
Financial technology
Regulatory technology
