印度金融科技“监管沙盒”制度借鉴与我国现实选择

Abstract:In recent years，with the rapid development of Fintech，major countries in the world have regarded Fintech as the key to improving the core competitiveness of the financial industry. The rise of India’s Fintech industry has benefited from a number of reform initiatives and policy support from the Indian government，including the “Digital India” strategy. Due to the characteristics of Fintech，the original financial regulation system lags behind the development of Fintech，and the system’s ability cannot match the development reality of Fintech. In order to find a balance between encouraging Fintech innovation and preventing and controlling new types of financial risks，the Reserve Bank of India，the Securities and Exchange Board of India，and the Insurance Regulatory and Development Authority of India have successively launched “regulatory sandbox” mechanisms for various industries，dedicated to achieving Fintech innovation，consumer rights protection and sound financial regulation and other goals. India’s “regulatory sandbox” mechanism has important implications for the development of Fintech in China and the construction of a Fintech regulation system.

收起