数字金融监管的法律逻辑与创新路径  

Legal Logic and Innovative Paths of Digital Finance Regulation

作　　者：何剑锋 He Jianfeng(School of Law and Sociology,Chongqing Technology and Business University,Chongqing,400067)

机构地区：[1]重庆工商大学法学与社会学学院,重庆400067

出　　处：《中国商论》2024年第22期110-113,共4页China Journal of Commerce

基　　金：重庆市教委人文社科研究项目一般项目“成渝地区双城经济圈数据要素市场化的法律制度配置研究”(24SKGH150);重庆工商大学高层次人才启动项目“数字金融监管理念嬗变与法律制度革新”(2055005);重庆工商大学教育教学改革项目“新时代法学教育数字化转型路径研究”(2023030)阶段性研究成果。

摘　　要：发展新质生产力,建设我国数字金融强国,离不开数字金融监管。如何对创新特性数字金融进行有效监管,是世界各国共同面临的难题,也是对我国金融监管提出的重大挑战。本文基于数字金融监管的本土实践,借鉴域外有益的监管经验,在厘清数字金融监管法律逻辑的基础上,围绕构建全新的数字监管框架,针对我国数字金融监管存在的困境,提出构建系统重要性机构监管制度、革新传统的监管方式、搭建数字监管平台、完善细化“监管沙盒”制度与消费者保护法规等数字金融监管创新路径,促进数字金融创新,防范系统性金融风险。To develop new quality productive forces and build China into a powerhouse of digital finance cannot be separated from digital finance regulation.How to effectively regulate digital finance with innovative characteristics is a common problem faced by all countries in the world,and also a major challenge to China's financial regulation.This paper,based on the local practices of digital finance regulation and drawing on beneficial regulatory experience from abroad,clarifies the legal logic of digital finance regulation and,with the goal of building a brand-new digital regulatory framework,puts forward innovative paths for digital finance regulation to promote digital finance innovation and prevent systemic financial risks.In response to the dilemmas of digital finance regulation in China,these paths include establishing a systemically important institution regulatory system,reforming traditional regulatory methods,building a digital regulatory platform,and refining the regulatory sandbox system and consumer protection laws.

关 键 词：数字金融 法律逻辑 系统性金融风险 监管方式 数字监管平台 

分 类 号：F833[经济管理—金融学]