金融科技穿透式监管的机理与路径研究  

Research on the Mechanism and Path of Fintech Look-Through Supervision

作　　者：卜亚[1] 孔恩惠 BU Ya;KONG En-hui(School of Economy and Management,JiangSu University of Science and Technology)

机构地区：[1]江苏科技大学经济管理学院,江苏镇江212100

出　　处：《当代金融研究》2023年第10期42-57,共16页Journal of Contemporary Financial Research

基　　金：国家社会科学基金一般项目“金融科技创新与监管的激励相容机制及政策设计”(21BJY148);江苏高校哲学社会科学研究重大项目“金融科技创新监管路径优化研究”(2019SJZDA060)。

摘　　要：金融科技作为一种“破坏式”的创新,深化了金融机构业务交叉和混业经营,成为风险更具爆发性和传染性的催化剂,对传统金融监管提出了挑战,由此“穿透式”的监管理念应运而生。本文首先阐述了穿透式监管的基本内涵和理论机理,其次分析了美国、英国和欧盟等国家或组织穿透式监管的国际经验,最后提出金融科技穿透式监管的实现路径,如丰富监管主体,统筹监管体系;明晰监管边界,统一监管规范;细化监管对象,避免风险加剧;借助监管科技,强化信息披露。As a“disruptive”innovation,fintech has deepened the cross-business and mixed operation of financial institutions,become a catalyst for more explosive and infectious risks,and challenge the traditional financial supervision,thus the concept of look-through supervision came into being.This paper first expounds the basic connotation and theoretical mechanism of look-through supervision,then analyzes the international experience of look-through supervision in countries or organizations such as the United States,the United Kingdom and the European Union,and finally puts forward the realization path of look-through supervision of fintech,such as enriching regulatory bodies and coordinating regulatory systems;Clear regulatory boundaries and unify regulatory norms;Refine the object of supervision and avoid risk intensification;Use regulatory technology and enhance information disclosure.

关 键 词：金融科技 穿透式监管 国际经验 实现路径 

分 类 号：F832.1[经济管理—金融学]