摘要
数字经济时代背景下,金融科技产业的快速发展能够发挥促进竞争、提升金融服务质效的作用,但同时也面临诸多风险,因此,如何在金融科技创新发展的同时做好风险防范工作,成为金融监管部门重点关注的问题。本文在分析金融科技发展现状的基础上,从金融科技的技术属性和金融属性两个角度对金融科技发展过程中所存在的风险进行了具体分析,并结合我国监管改革实践,从顶层设计、监管规则、监管机制、监管科技、大型金融科技企业监管、消费者保护等方面提出了进一步防范金融科技风险的政策建议。
In the digital economy era,the fintech industry plays a key role in promoting competition and improving the quality and efficiency of financial services,but it also faces multiple risks.Therefore,how to prevent financial risks while encouraging the innovation of fintech has become a major concern of financial regulators.On the basis of expounding the current status of fintech development,this paper attempts to conduct an analysis of the financial risks from the perspectives of the technical attributes and financial attributes of fintech.Drawing on China’s regulatory reform practice,some recommendations for risk-prevention are pointed out in terms of rules,regulatory mechanisms,regulatory technology,supervision of fintech giants and consumer protection.
作者
闫冬
吴华
Yan Dong;Wu Hua(School of Statistics and Mathematics,Central University of Finance and Economics,Beijing 100081;School of Computer Information Management,Inner Mongolia University of Finance and Economics,Hohhot 010051)
出处
《中阿科技论坛（中英文）》
2022年第10期55-59,共5页
China-Arab States Science and Technology Forum
基金
国家自然科学基金项目“意见领袖对组织污名的影响机制研究——基于社会认知主体视角”(71962025)。
