金融科技监管的国际经验借鉴及政策建议  

International Experience and Policy Suggestions on Fintech Supervision

作　　者：中国人民银行海口中心支行青年课题组 王宏杰[1] 吴帆[1] 郭雁[1] 邓昕[1] 杨龙[1] 陈婧[1] 陈前鹏[1] Youth Research Group of PBC Haikou Central Sub-branch(PBC Haikou Central Sub-branch,Hainan Haikou 570105)

机构地区：[1]中国人民银行海口中心支行,海南海口570105

出　　处：《金融发展研究》2019年第11期46-52,共7页Journal Of Financial Development Research

基　　金：国家社科基金课题“中国人口结构转变、养老保险参量调整与公平经济增长匹配研究”（17BJL097）;中国人民银行海口中心支行2019年度青年课题“国际金融科技监管关切与启示”

摘　　要：国际金融危机之后,金融科技发展及其监管受到越来越多的关注,英国、欧盟等国家或地区的监管当局在宽严相济强化监管履职、拓展边界创新监管手段等方面做了很多有益的探索。本文在梳理分析金融科技发展带来的益处、监管的必要性、金融科技与监管科技两者关系的基础上,对金融科技国际监管经验及其最新实践进行了归纳总结,并介绍了监管认识上的两种误区,即过度关注金融科技创新的积极影响而放松监管、只关注国内金融稳定而与国际监管合作不够。对我国而言,应坚持合理适度监管原则、借鉴"监管沙箱"有益经验、推出金融助推工具、坚持市场导向推动金融改革、强化审慎监管和行为监管、加强国际合作推动监管趋同,以在有效防控风险的前提下推动金融科技创新。After the international financial crisis,more and more attention has been paid to the development of fintech and its supervision. Regulatory authorities in the UK,EU and other countries and regions have made many beneficial explorations in many aspects such as strengthening the performance of supervision with a combination of leniency and strictness,expanding frontier and innovating regulatory tools. Based on the analysis of the benefits brought by the development of fintech,the necessity of regulation,the relationship between fintech and regulatory technology,this paper summarizes the international regulatory experience of fintech and its latest practices and introduces two kinds of misunderstandings in regulation. Two misunderstandings are as follows: too much attention paid on the positive influence of fintech innovation while loosening supervision;just focusing on domestic financial stability but lacking international regulatory cooperation. For China,it is necessary to adhere to reasonable supervision principle within an appropriate range and learn from the beneficial experience of "regulatory sandbox". We should launch financial-boosting tools, stick to the market orientation thus promoting financial reform, strengthen prudential and behavioral supervision,intensify international cooperation and push forward the regulatory convergence so as to promote fintech innovation with the premise of effective risk prevention and control.

关 键 词：金融科技 监管科技 监管沙箱 创新中心 挑战者银行 

分 类 号：F832.5[经济管理—金融学]