摘要
金融科技是技术驱动的金融创新,能够形成新的商业模式、应用、流程或产品,并对金融服务提供产生重大影响。对金融科技的监管应当遵循包容审慎原则。包容监管的立足点在于金融科技的创新性,体现在增强金融包容、提高交易效率、促进市场竞争方面;审慎监管的着眼点则在于金融科技的风险性,表现为技术操作风险、数据安全风险和信息不对称风险。包容审慎监管意在兼顾金融、科技、创新这三个关键词.在创新与规范、效率与安全、操作弹性与制度刚性之间寻求恰当平衡,确保金融科技稳健有序发展。应当基于金融科技的破坏性创新本质,确立适应性监管的基本思路;通过强化监管协调、落实功能监管、厘定央地权限.构建风险覆盖更加周延的金融监管体制机制;发挥监管科技的特有作用,以科技驱动的监管创新应对科技驱动的金融创新。
Financial technology, or FinTech, is defined as technology-enabled innovation in financial services that could result in new business models, applications, processes or products with an associated substantial effect on the provision of financial services. The regulation of FinTech should be inclusive and prudential. Inclusive regulation has its footing on the innovative aspect of FinTech, including enhancing financial inclusion, increasing transaction efficiency and promoting market competition;while prudential regulation eyes at the risk aspect of FinTech, as manifested in technological and operational risk, data se curity risk, and information asymmetry risk. Fundamentally inclusive and prudential regulation is to look at the essence of FinTech, considering the three key elements of finance, technology and innovation. It endeavors to strike a balance between innovation and normalization, efficiency and security, and insti tutional rigidity and operational flexibility. First, based on the nature of "disruptive innovation,^ of Fin Tech, the idea of adaptive regulation should be established to improve on the flexibility and effectiveness of regulation. Second, in order to cover the relevant risks more comprehensively the regulatory system and mechanisms should be improved by means of strengthening regulatory coordination delivering func tional regulation, and clarifying the division of regulatory powers between the central and local govern ments. Third, regulatory technology should play its peculiar role, so as to encounter technology-enabled financial innovation with technology-enabled regulatory innovation.
出处
《中外法学》
CSSCI
北大核心
2019年第3期797-816,共20页
Peking University Law Journal
基金
中国社会科学院国情调研重大项目“国际比较视野下的互联网金融创新与规范发展”(2017-6)的阶段性成果
关键词
金融科技
包容审慎监管
适应性监管
互联网金融
Fintech
Inclusive and Prudential Regulation
Adaptive Regulation
Internet Finance
