FinTech在地方金融监管体系构建中的影响、挑战及应对  

The Influence, Challenges and Countermeasures of FinTech in the Construction of Local Financial Supervision System

作　　者：张倩[1] ZHANG Qian

机构地区：[1]浙江万里学院法学院

出　　处：《经济论坛》2019年第10期106-110,共5页Economic Forum

基　　金：宁波市社科规划课题“Fintech驱动下地方金融监管的法律体系研究”(G19-ZC11)

摘　　要：FinTech(Financial Technology)的兴起极大地促进了金融市场的创新能力,在一定程度上提升了金融市场的效率,同时也对传统金融市场构成了强大冲击,尤其是在地方金融监管负责的"类金融"领域以及互联网金融领域更为显著。地方金融监管部门应当积极响应FinTech的创新需求,同时利用FinTech最新成果提升自身的监管能力,并借鉴监管沙盒制度改进区域金融创新试点机制,为金融市场创造新的创新服务和监管平台。The rise of FinTech has greatly promoted the innovation ability of financial markets, which has improved the efficiency of financial markets to a certain extent, and also has a strong impact on traditional financial markets especially in the field of Financial and the Internet in which local financial supervision is responsible. Local financial regulatory authorities should actively respond to FinTech’s innovation needs, and use FinTech’s latest achievements to enhance their regulatory capabilities, and apply the regulatory sandbox system to improve regional financial innovation pilot mechanisms to create new innovative services and regulatory platforms for financial markets.

关 键 词：FinTech 监管沙盒 地方金融监管 

分 类 号：F83[经济管理—金融学]