FinTech驱动下地方金融监管体系建立的逻辑与路径  

The Logic and Path of the Establishment of Local Financial Supervision System Driven by FinTech

作　　者：张倩[1] ZHANG Qian(Zhejiang Wanli University,Ningbo Zhejiang 315100)

机构地区：[1]浙江万里学院法学院,浙江宁波315100

出　　处：《浙江万里学院学报》2021年第5期25-31,共7页Journal of Zhejiang Wanli University

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：金融科技是信息技术进步和创新在金融领域应用的成果,其对金融市场的影响同时兼具两面性,在提升金融交易效率的同时也蕴藏了导致金融欺诈的潜在风险,在加速金融市场创新和服务能力的同时,也存在扰乱传统金融市场的可能性。地方金融监管机构应当及时革新管理理念、创新管理工具,积极运用金融科技的积极成果,结合地方金融试点政策建立支持金融创新的监管沙盒制度,积极构筑基于数字化金融基础设施的公共服务平台和开放协同创新平台,促进政策监管与市场创新的同步改进,形成监管与创新相互包容的良性引导机制。FinTech is the result of the application of information technology advancement and innovation in the financial field.Its impact on the financial market has both sides.While improving the efficiency of financial transactions,it also contains the potential risks that lead to financial fraud.It also accelerates financial market innovation and services.At the same time,there is the possibility of disrupting traditional financial markets.Local financial regulators should promptly innovate management concepts and management tools,actively use the positive results of financial technology,establish a regulatory sandbox system that supports financial innovation in conjunction with local financial pilot policies,actively build public service platforms and open the collaborative innovation platform based on digital financial infrastructure that promotes the simultaneous improvement of policy supervision and market innovation,and form a benign guiding mechanism for the mutual tolerance of supervision and innovation.

关 键 词：金融科技 金融创新 监管沙盒 地方金融监管 

分 类 号：D912.28[政治法律—民商法学]