科技公司入股银行的监管政策选择研究及对中国的启示  

Research on Policy Choices of Technology Companies Taking Shares in Banks and Reference for China

作　　者：刘镇[1,2] 陈晓红[1,2] LIU Zhen;CHEN Xiaohong

机构地区：[1]中国人民银行长春中心支行,吉林长春130000 [2]中国人民银行延边州中心支行,吉林延吉133000

出　　处：《吉林金融研究》2022年第5期54-58,共5页Journal of Jilin Financial Research

摘　　要：近年,部分经济体的科技公司开始入股银行业金融机构并成为控股或主要股东。科技公司入股银行有助于提升市场认可度和降低与银行合作成本,可帮助银行获得低成本存款,可促进当地普惠金融及市场竞争,但也导致了利益冲突、风险传染等潜在风险,各经济体监管当局通过加强准入管理和风险防控措施予以应对。目前,中国大型科技公司和金融科技公司入股银行成为控股或主要股东的家数最多,相关潜在风险值得进一步关注,建议进一步借鉴国际经验,采取审慎监管措施予以应对。In recent years,technology companies in some jurisdictions have taken shares in banking financial institutions and become controlling or major shareholders.Technology companies’ participation in banks can help improve market recognition and reduce the cost of cooperation with banks,help banks obtain low-cost deposits,and promote local Inclusive Finance and market competition.However,it also leads to potential risks such as conflict of interest and risk contagion.The regulatory authorities of various economies respond by strengthening access management and risk prevention and control measures.At present,China has the largest number of large technology companies and financial technology companies that have become controlling or major shareholders of banks.The relevant potential risks deserve further attention.It is suggested to further learn from international experience and take prudent regulatory measures to deal with them,so as to prevent and control the potential risks of technology companies taking shares in banks.

关 键 词：科技公司 银行 监管政策 

分 类 号：F830[经济管理—金融学]