金融科技与金融监管的动态匹配对金融效率的影响  

The Impact of Dynamic Matching between Fintech and Financial Regulation on Financial Efficiency

作　　者：张晓燕[1,2] 姬家豪 Zhang Xiaoyan;Ji Jiahao(School of Finance,Shanxi University of Finance and Economics;National Academy of Economic Strategy)

机构地区：[1]山西财经大学金融学院 [2]中国社会科学院财经战略研究院

出　　处：《南开管理评论》2023年第1期43-54,I0008,I0009,共14页Nankai Business Review

基　　金：山西省科技厅科技战略重点专项项目(202104031402008);山西省哲学社会科学规划课题(2022YY084);山西省社会经济统计综合重点课题(KYZH[2022]015)资助。

摘　　要：党的二十大报告提出“塑造发展新动能新优势,以新安全格局保障新发展格局”。传统金融监管在面临具有创造性破坏特点的金融科技时,明显陷入了“刚性制度陷阱”,亟需践行动态监管理念,增强其与金融科技间的匹配。本文对31省市“金融科技—金融监管”匹配度进行了数理计算,考证了二者匹配对金融效率提升的重要性,验证了我国“监管沙盒”试验对金融效率提升具有显著作用。提高金融科技与金融监管的匹配、践行动态监管理念,理论上有利于制度与技术的协同,为我国创新动态监管理念、夯实动态监管体系提供科学依据,实践上有利于深化监管科技应用、提升地方金融科技监管效能,为实现“防风险”与“提效率”双重目标提供现实支撑。The report of the 20th National Congress of the Communist Party of China put forward the idea of“shaping and developing new driving forces and new advantages,and ensuring new development patterns with new security patterns”.Facing with the financial technology with the characteristics of creative destruction,the traditional financial supervision has fallen into the“rigid insti-tutional trap”,so it is urgent to practice the dynamic supervision concept and strengthen its matching with financial technology.This article calculates the matching degree of“financial technology-financial supervision”in 31 provinces and cities,and examines the importance of the matching of the two to the improvement of finan-cial efficiency.This paper also verifies that China’s“Regulatory Sandbox”experiment has a significant role in improving financial efficiency.Improving the matching between financial supervision and financial technology,and practicing the concept of dynamic su-pervision,are theoretically conducive to the coordination of system and technology,provides scientific basis for China’s innovation of dynamic supervision concept and consolidation of dynamic system.In practice,it is conducive to deepen the application of supervision technology,improve the efficiency of local financial technology su-pervision,and provide practical support for achieving the dual goals of“risk prevention”and“efficiency improvement”.

关 键 词：金融科技—金融监管 匹配度 动态监管 “监管沙盒” 金融效率 

分 类 号：F832[经济管理—金融学]