摘要
金融科技公司的入局为我国金融参与主体提供了更多选择,展现出独特的实践特征,但与此同时也加大了风险暴露头寸。论文以从内到外的逻辑体系递进式分析了我国金融科技公司的演进发展、风险隐患和现行监管痛点,结合对蚂蚁集团的风险解构给出风险控制建议;最后从监管体制,监管科技和监管工具三个层面对我国金融科技的监管给出了评述与建议。以期在推动我国金融科技公司健康发展的同时,探讨我国普惠金融的发展路径。
The entry of financial technology companies provides more choices for participants in China’s financial market,showing unique practical characteristics,but also increases the risk exposure position in the market.Based on the logic system from inside to outside,this paper analyzes the evolution and development of China’s financial technology companies,risk hidden dangers and current regulatory pain points.Combined with the risk deconstruction of ant group,it gives suggestions on risk control.Finally,it makes comments and suggestions on the supervision of China’s financial technology from three aspects of regulatory system,regulatory technology and regulatory tools,so as to promote China’s finance in the new normal The healthy development of science and technology companies also points out the development path of Inclusive Finance in China’s financial market.
作者
尹若晗
陈向阳
YIN Ruo-han;CHEN Xiang-yang
出处
《农村金融研究》
2021年第3期69-78,共10页
Rural Finance Research
关键词
金融科技公司
风险监管
蚂蚁集团
普惠金融
Fintech Company
Risk Supervision
Ant Financial Services Group
Inclusive Finance
