金融数字化风险的监管挑战与应对  

Regulatory Challenges and Responses to Financial Digitalization Risks

作　　者：韩龙 李理想 HAN Long;LI Lixiang(Law School,Hainan University,Haikou,Hainan 570228,China)

机构地区：[1]海南大学法学院,海南海口570228

出　　处：《河北大学学报(哲学社会科学版)》2025年第3期106-118,共13页Journal of Hebei University(Philosophy and Social Science)

基　　金：国家社会科学基金重大项目“数字化背景下国际金融服务的法律治理体系研究”(22&ZD203);海南省哲学社会科学规划课题“区域性国际数据跨境流动制度的法治逻辑与海南自贸港实践”(HNSK(ZC)24-213);海南省研究生创新科研课题“海南自由贸易港跨境数据流动治理规则构建研究”(Qhyb2022-02)。

摘　　要：金融数字化,作为第四次工业革命催生的新型金融业态,已经成为金融业创新发展的主流趋势。数字化创新不仅重塑了金融模式、金融业务及市场结构,也带来许多新型金融风险,并增加了风险的隐蔽性和传染性,使系统性风险来源更为复杂。金融数字化引发的风险变化挑战了既有金融监管体制,影响了金融监管目标实现,并使金融监管措施失灵。有效规制金融数字化风险,不仅应采取基于目标的监管策略,实现多监管目标的动态平衡,构建制度化的监管协调机制,并提升金融监管的穿透力。还应对新的风险因素进行精准监管,优化市场准入制度,并综合应用监管原则、监管规则与技术规范,创建新型风险监管体系。同时,构建技术驱动型监管范式,实现监管的智能化和动态化。Financial digitization,as a new type of financial industry spawned by the fourth industrial revolution,has become the mainstream trend of innovation and development in the financial industry.Digital innovation has not only reshaped the financial model,financial business and market structure,but also brought about many new types of financial risks,increasing the hiddenness and contagiousness of risks and making the sources of systemic risks more complex.Changes in risks triggered by the digitalization of finance have challenged established financial regulatory regimes,affected the achievement of financial regulatory objectives and rendered regulatory measures dysfunctional.To effectively regulate the risks of financial digitization,a goal-based regulatory strategy should be adopted to achieve a dynamic balance of multiple regulatory goals,build an institutionalized regulatory coordination mechanism,and enhance the penetration of financial regulation.In addition,new risk factors should be regulated accurately,the market access system should be optimized,and regulatory principles,regulatory rules and technical norms should be applied in an integrated manner to create a new regulatory system for emerging risks.At the same time,a technology-driven regulatory paradigm should be constructed to realize the intelligence and dynamization of regulation.

关 键 词：金融数字化 风险监管 监管挑战 监管变革 

分 类 号：D912.28[政治法律—民商法学]