金融科技背景下金融风险分析及监管对策研究  

Research on Financial Risks and Regulatory Countermeasures in the Context of Fintech

作　　者：杜晗 DU Han(School of Economics/China-ASEAN Institute of Financial Cooperation,Guangxi University Nanning,Guangxi 530000)

机构地区：[1]广西大学经济学院/中国-东盟金融合作学院,广西南宁530000

出　　处：《中国商论》2023年第16期120-123,共4页China Journal of Commerce

摘　　要：当前,“逆全球化”浪潮给各国生产生活造成了严重影响,金融市场也受到黑天鹅事件的冲击,在推动经济高质量发展和数字化产业转型的战略发展中,“金融+科技”发展模式迎来了新的发展契机和扩张。一方面,现代科学技术给金融行业赋能、将金融服务高效化和信息化,不仅推动金融机构在数字化层面转型,提高金融资源配置效率和金融系统的稳定性;另一方面,金融科技在自身优势上存在风险防范壁垒,数字技术加强金融市场的关联度扩大了系统性风险传染程度。本文从现有学者研究出的金融科技风险类别、金融风险传导渠道重点研究金融科技存在的特有风险结构,结合国家推动数字化金融发展战略,从金融风险防范和金融创新角度综合阐述现行的金融监管制度和改进措施,将对我国金融科技领域的发展和对应的风险监管改进具有一定的参考价值。At present,the backlash against globalization has caused a serious impact on the production and life of all countries,and the financial market has also been affected by the impact of the black swan event.In the strategic development of promoting the high-quality development of the economy and the digital transformation of the industry,the“finance+technology”development model has ushered in new opportunities for development and expansion.On the one hand,modern science and technology empower the financial industry and promote financial services efficiency and informatization,which not only boosts the transformation of financial institutions at the digital level,but also improves the efficiency of financial resource allocation and the stability of the financial system;on the other hand,the fintech has risk prevention barriers,and the digital technology strengthens the correlation of the financial market and expands systemic risk contagion.This paper focuses on the unique risk structure of fintech based on the scholars’existing research on fintech risk categories and financial risk transmission channels,combined with the national strategy to promote the development of digital finance,and comprehensively describes the current financial regulatory system and improvement measures from the perspective of financial risk prevention and financial innovation,which will be of certain reference value to China’s development of fintech and the improvement of risk regulation.

关 键 词：金融科技 数字化 金融风险 风险传染 风险监管 

分 类 号：F830.9[经济管理—金融学]