金融科技合作监管的制度逻辑与建构路径  

Institutional Logic and Constructive Path of FinTech Cooperative Regulation

作　　者：陈志峰 Cheng Zhifeng(Law School,Shanghai University of Finance and Economics,Shanghai)

机构地区：[1]上海财经大学法学院

出　　处：《经济社会体制比较》2024年第6期98-107,共10页Comparative Economic & Social Systems

基　　金：上海市哲学社会科学规划项目“建设全国统一大市场背景下碳金融市场监管法律制度研究”(项目编号:2022ZFX002);上海财经大学法学院“互联网与大数据法治问题研究”项目。

摘　　要：金融科技是我国数字金融发展的核心领域,但新的风险也让金融科技监管面临着监管体制不适应、监管信息割裂化和监管试点边缘化等问题,难以保证监管有效性。为了破解监管困局,金融科技监管领域应在智慧监管理论指引下,纳入私人监管力量形成合作监管模式,补足行政监管主体专业技术能力,打通信息壁垒,同时实现监管试点制度化。以此为目标,未来应逐步构建起多元主体共享监管职责、分工合作的监管体制,建立贯穿监管流程的多中心信息共享和信用机制,完善主体合作共治基础上的统一技术规范,并将采用监管沙箱模式的监管试点纳入金融监管制度框架。FinTech represents the core of digital finance development in China;however,it also introduces new risks that challenge the effectiveness of regulation.These challenges include the misalignment of regulatory systems,fragmented regulatory information,and the marginalization of regulatory pilot programs.To address these issues,fintech regulation should be guided by the principles of smart regulation.This involves incorporating private regulatory forces to establish a cooperative regulatory model,enhancing the technical expertise of administrative regulators,breaking down information silos,and institutionalizing regulatory pilot programs.Moving forward,efforts should focus on building a regulatory system where multiple entities share responsibilities and collaborate effectively.This includes creating a multi-centered information-sharing and credit mechanism throughout the regulatory process,improving unified technical standards based on cooperative governance among entities,and integrating regulatory sandboxes into the financial regulatory framework.

关 键 词：金融科技 合作监管 智慧监管 信息共享 监管沙箱 

分 类 号：F83[经济管理—金融学]