金融科技生态主体共生演进趋势及政策响应机制  

The Symbiosis Evolution Trend and Policy Response Mechanism of the Financial Technology Ecological Subjects

作　　者：李国英[1] Li Guoying

机构地区：[1]河南省社会科学院区域经济研究中心,郑州450002

出　　处：《区域经济评论》2021年第5期122-127,共6页Regional Economic Review

基　　金：河南省软科学项目“金融科技生态系统共生演进趋势下河南省响应机制研究”(212400410139)。

摘　　要：云计算、人工智能、大数据、区块链等技术正在广泛应用到金融服务的各个领域。科技与金融深度融合形成的“金融科技生态”正以强大的势能酝酿着一场金融变革,重塑着未来金融新业态,催生出新的金融生态主体。包括金融科技企业和传统金融机构在内的生态主体优势互补、协同合作,共建新的产业生态环境,继而发展成为开放、共生、共赢的金融科技创新生态系统,共同拓展全新的产业合作机会。为让金融科技市场逐步回归理性,监管政策也着力于“补短板”。基于市场的考量,构建中国特色的监管机制不仅可以防止垄断和不正当竞争,更有利于引导金融科技主体有序创新。Cloud computing,artificial intelligence,big data,blockchain and other technologies are widely used in various fields of financial services.The“financial science and technology ecology”formed by the deep integration of science and technology and finance is brewing a financial reform with a strong potential energy,reshaping the future financial new business type,and giving birth to a new financial ecological subject.Ecological subjects,including financial science and technology enterprises and traditional financial institutions,complement each other and cooperate together to build a new industrial ecological environment,and then develop into an open,symbiotic and win-win ecosystem of financial science and technology innovation,and jointly develop new opportunities for industrial cooperation.In order to make the barbaric financial technology market gradually return to rationality,regulatory policies focus on“making up for deficiencies”.The construction of a regulatory mechanism with Chinese characteristics based on market considerations can not only prevent monopoly and unfair competition,but also help to guide financial science and technology enterprises to innovate in an orderly manner.

关 键 词：金融科技 金融生态系统 科技创新 金融科技监管 政策响应 

分 类 号：F832[经济管理—金融学]