构筑监管科技生态体系 破解金融机构合规难题  

Constructing a Science and Technology Ecological Supervising System to Solve the Compliance Problems of Financial Institutions

作　　者：伍丽菊 魏琳[2] WU Li-ju;WEI Lin(Public Revenue Center,Chinese Academy of Fiscal Sciences,Beijing 100142;Jiangxi University of Finance and Economics,Nanchang 330013,China)

机构地区：[1]中国财政科学研究院公共收入中心,北京100142 [2]江西财经大学当代财经杂志社,江西南昌330013

出　　处：《当代财经》2020年第6期69-78,共10页Contemporary Finance and Economics

摘　　要：新经济飞速发展加速了监管科技在金融机构合规中的应用,但技术本身并没有从根本上缓解监管端与合规端之间的博弈冲突,改变金融机构被动合规的模式。监管科技在金融机构合规中的应用可以实现信息的闭环反馈和功能的迭代升级,推动金融机构合规从被动遵守外部约束内生转型为加强风险防控的主动合规,并逐步转向更高级别的护航战略优势合规。在新技术交互影响的背景下,监管科技自成生态。健康的生态关系增进了金融机构与监管单位的协同,良好的技术生态环境与工作机制有助于金融机构回归业务本源、积极拥抱合规。监管科技的生态体系构筑过程就是其在合规端的深入应用过程,也是其助力金融机构破解合规难题的过程。The rapid development of the new economy has accelerated the application of regulatory technology in the compliance of financial institutions,but the technology itself has not fundamentally eased the game conflict between the regulatory side and the compliance side,nor changed the passive compliance mode of financial institutions.The application of regulatory technology in the compliance of financial institutions can achieve closed-loop feedback of information and iterative upgrade of the functions,promote the transformation of financial institutions’compliance from endogenous passive compliance with external constraints to active compliance with enhanced risk prevention and control,and gradually shift to higher level advantageous compliance of escort strategy.In the context of the interactive effects of new technologies,regulatory technology has become a self-contained environment.A healthy ecological relationship can enhance the synergy between financial institutions and regulatory agencies.A good technical ecological environment and working mechanism can help financial institutions return to their business roots and actively embrace the compliances.The process of constructing an ecosystem of regulatory technology is in itself an in-depth application process at the compliance side,and is also the process to help financial institutions solve compliance problems.

关 键 词：监管科技 金融机构合规 生态体系 

分 类 号：F832[经济管理—金融学]