金融科技平台垄断的公私协同治理  

Public-Private Governance of Fintech Platform Monopolies

作　　者：孙晋[1] 马姗姗 Sun Jin;Ma Shanshan(School of Law,Wuhan University,Wuhan 430072,China)

机构地区：[1]武汉大学法学院,武汉430072

出　　处：《科技与法律（中英文）》2024年第4期11-19,共9页Science Technology and Law（Chinese-English Version）

基　　金：国家社会科学基金重大项目“适应新时代市场监管需要的权力配置研究”(20&ZD194)。

摘　　要：金融科技平台垄断涉及数据互操作限制、扼杀式收购以及算法合谋等多种实践样态,其垄断行为既能在杠杆效应下提高竞争壁垒,也因其混业经营特性而容易诱发系统性风险。传统反垄断法公共规制路径依赖具有压制性与滞后性,难以应对复杂多变的金融科技平台垄断问题,需要为垄断治理提供全新的视角和方案,公私协同治理模式应运而生。在理论维度,协同治理所强调的灵活性、回应性能够满足风险社会下金融科技平台垄断的治理结构需求;在实践层面,金融科技平台内生的公私融合性以及根植于金融市场的合规传统,则为公私协同治理提供了现实基础。金融科技平台垄断问题在公私协同治理的具体实现上,需深化公私治理主体间的互信、促进治理规范的软硬协同,以及强化监管科技工具的共治目标嵌入。The monopoly of fintech platforms involves a variety of practices such as data interoperability restriction,stranglehold acquisition and algorithmic collusion,and its monopoly behaviour can not only raise the barriers to competition under the leverage effect,but also induce systemic risks due to its mixed business characteristics.In the theoretical dimension,the flexibility and responsiveness emphasised by collaborative governance can meet the needs of the governance structure of fintech platform monopoly in a risky society;in the practical dimension,the endogenous public-private integration of fintech platforms and the compliance governance tradition rooted in the financial market provide a practical basis for public-private collaborative governance.In the concrete realisation of public-private governance of fintech platform monopoly,it is necessary to deepen the mutual trust between public and private governance subjects,promote the soft and hard synergy of governance norms,and strengthen the embedding of co-governance objectives in regulatory technology tools.

关 键 词：金融科技平台 垄断 风险防范 公共规制 公私协同治理 

分 类 号：F830[经济管理—金融学]