摘要
科技驱动的金融创新所内含的技术风险、操作风险,甚至诱发系统性风险之可能,迫使监管者必须予以有力回应。然而,监管技术匮乏、监管法律滞后和监管理念守旧等问题,以审慎监管、功能监管、行为监管等为核心构建的传统监管体系和法规无法有效应对去中介、去中心化的金融交易现状。因此,必须在审慎监管、行为监管等传统金融监管维度之外增之以科技维度,形塑双维监管体系,从而更好地应对金融科技所内含的风险及其引发的监管挑战。科技维度的监管致力于依靠大数据、云计算、人工智能、区块链等技术构建科技驱动型监管体系。其以数据驱动监管为核心,构筑起分布式的平等监管、智能化的实时监管、试点性的监管沙盒为核心的金融监管体系,突破传统金融监管的固有困局,创新监管方式,保护金融消费者,维护金融稳定。
The technological and operational risks in technology-driven financial innovations,and even the possibility of induced systemic risk,force regulators to make effective responses.However,due to the absence of regulatory technology,the lag in regulatory laws and out-o--date regulatory concepts,traditional regulatory systems and laws focused on prudential,functional and behavioral supervision cannot effectively respond to the present state of disintermediation and decentralized financial transactions.Therefore,to the traditional prudential and behavioral dimensions of financial supervision must be added the technological dimension,forming a two?dimensional regulatory system that is better able to cope with the inherent risks in Traditionally,the social foundation of the emergence and existence of international law was summed up as the international community.This exhibits the coexistence of collision and cooperation and of common and conflicting interests in the relations among nations.Recently,the term“international community”has been widely used in national practice and academic discourse,and many scholars believe that the development of inter-state relations shows a shift on the part of the international community toward a global international community.The concept of a community of shared future for mankind reflects China 5 s renewed understanding of the social foundation of international law;introduces fine traditional Chinese culture into global governance;develops Marxist doctrines concerning the community;focuses on humans as a whole and as individuals;emphasizes the unity of differences and interdependence in the international community;and highlights its ultimate problems.The concept of the community of shared future for mankind has important significance for the theory and practice of international law;it reflects the emergence of a holistic methodology,the response of international law to the questioning of its legitimacy,and the international law trends of hierarchization and systematization.The concept of a community of shared future for mankind has important value for China’s participation in the reform of the global governance systemand helps deepen understanding of the relationship between China and the world,enhancing China’s international discourse power and capability and promoting the international relations rule of law China has proposed.
出处
《中国社会科学》
CSSCI
北大核心
2018年第5期69-91,205,206,共24页
Social Sciences in China
基金
2017年国家社会科学基金一般项目"技术驱动型金融监管的法律问题研究"(17BFX098)阶段性成果
