摘要
互联网、移动互联、大数据和云计算等现代信息科技与金融业务的结合是不可逆转的创新趋势,但金融科技迅猛发展的同时也带来了一系列的监管难题。如何既能鼓励金融科技创新,又确保不至于造成系统性风险是一个两难的选择。文章以英国首倡的"监管沙盒"模式为例,分析了"监管沙盒"的运行模式和意义,并认为将金融科技创新纳入监管沙盒内进行监管是解决我国金融科技,包括互联网金融监管问题的一个有效的技术途径。在此基础上从金融科技监管战略、监管逻辑到监管信息共享机制等方面提出了相应的政策建议。
Internet, mobile Internet, large data and other modern information technology combination with financial business is an irreversible trend, but the rapid development of financial technology has also brought a series of regulatory problems. How to encourage the innovation of financial science and technolo- gy, and ensure that does not cause systemic risk is a regulatory dilemma. Taking the regulatory sandbox model which is put forward by British as an example, the paper analyzes the operation mode and meaning of the ＂Regulatory Sandbox＂. It is believed that the incorporation of financial innovation into the regulatory sandbox is the solution and an effective technical approach to China＇ s financial technology, including the Internet Financial supervision. On this basis, the paper puts forward some corresponding policy suggestions from financial technology supervision strategy, supervision logic to supervision information mechanism.
出处
《兰州学刊》
CSSCI
北大核心
2017年第9期167-175,共9页
基金
教育部人文社科基金项目"股票流动性对投资者情绪波动的响应机制研究"(项目编号:16YJA790061)
陕西省自然科学基础研究项目"投资者情绪演化及对市场流动性影响研究"(项目编号:2015JM7367)
关键词
金融科技
金融监管
监管沙盒
互联网金融
financial technology
financial supervision
regulatory sandbox
internet finance
