2016~2019年中国大科技金融（BigTech in Finance）的发展与监管

Abstract:In recent years，BigTech with sophisticated technology platforms have developed digital financial services depending on their customer data，application scenarios and technology advantages，thus forming a distinctive business model and ecosystem of BigTech in Finance. In this paper，BigTech in Finance is considered as an inevitable phenomenon of the combination of technology and finance，with distinct characteristics and benefits on the one hand，and noticeable risks and new concerns on the other. Therefore，regulators should adhere to the regulatory concepts of perspectiveness，inclusiveness and functionality，strike a balance between financial innovation and risk prevention，and establish a long-term regulatory mechanism for the sound development of FinTech.

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