金融科技对金融稳定的影响及启示--以韩国金融科技发展动向与金融稳定风险评估为中心  

The Influence of Fintech on Financial Stability and Its Enlightenment--Focus on the Development Trend of Fintech and the Financial Stability Risk Assessment in ROK

作　　者： 叶京(编译) 朴光海(校译)[3] Mu Jeong-hwan;Ye Jing;Piao Guanghai(Bank of Korea;Institutes of Science and Development,Chinese Academy of Sciences Address.;Institute of Information Studies,Chinese Academy of Social Sciences.)

机构地区：[1]韩国银行 [2]中国科学院科技战略咨询研究院 [3]中国社会科学院信息研究院

出　　处：《当代韩国》2021年第1期79-88,共10页Contemporary Korea

摘　　要：本研究通过分析金融科技的主要特点、便捷性以及潜在风险、风险传染路径等,考察了韩国金融科技的发展动向与金融机构的应对举措,并在此基础上评估了韩国金融科技的金融稳定风险。韩国金融科技公司提供的代表性金融服务包括快捷支付与快捷转账、P2P金融、众筹基金、ICO、机器人投资顾问等。随着互联网银行在线业务量的持续增长,银行也面临各种金融创新。根据金融科技创新在金融机构多个领域进行的实际情况,金融机构通过采取与金融科技公司竞争或合作的方式进行应对。韩国金融科技公司提供服务的市场规模并不大,而且与现有金融机构的关联度也不是很高,所以对金融稳定产生的影响有限。虽然目前金融科技公司和金融机构之间的竞争存在一定程度的局限性,但是为发挥金融科技创新在提高效率、加大危机应对激励等方面的积极作用,有必要通过立法来确立"监管沙箱"制度,并建立有效的监管体系。By analyzing the main characteristics,convenience and risks,and risk transmission channels of fintech in ROK,this paper examines the development trend of fintech in ROK and the countermeasures taken by financial institutions.Basis on this,the financial stability risks of fintech in ROK is evaluated.The representative financial services provided by ROK’s fintech companies include fast payment and fast transfer,P2 P finance,crowdfunding funds,ICO,Robot Advisor,etc.With the continuous growth of online business volume of internet banking,banks are also facing various financial innovations.According to the actual situation of fintech innovation in multiple fields of financial institutions,Financial institutions have responded by competing or partnering with fintech companies.So far,ROK’s fintech companies have had limited impact on financial stability because their market size is not large and not highly correlated with existing financial institutions.Although the current competition between fintech companies and financial institutions is limited to a certain extent,it is necessary to legislate to establish the regulatory sandbox system and an effective regulatory system,in order to play the positive role of fintech innovation in improving efficiency and enhancing incentives for crisis response.

关 键 词：韩国 金融稳定 金融科技 风险经济学 

分 类 号：F833.126[经济管理—金融学]