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新形势下金融科技监管的局限性及策略研究

作者:薛洪言 陈嘉宁 赵一洋 晁鹏飞 出版日期:2019年07月 报告页数:16 页 报告大小: 报告字数:13687 字 所属丛书:金融监管蓝皮书 所属图书:中国金融监管报告(2019) 浏览人数: 下载人数:

文章摘要:近年来,依托商业活动线上化、数据化的大趋势,通过产品创新和模式创新,中国互联网金融快速崛起,金融体系的科技化渗透逐步提升,对金融监管的原则、理念、框架及手段等均提出了新的要求。本文以现金贷监管新规及其效应为切入点,系统剖析了传统监管理念遭遇新金融模式时,出现的政策缺乏回转空间、监管者与被监管者数量对比失衡、监管边界模糊、风险事件倒逼政策“宽松”式解读等问题,指出监管者面临跨领域监管、把握监管与创新平衡的挑战,提出应提高金融生态监管意识... 展开

文章摘要:近年来,依托商业活动线上化、数据化的大趋势,通过产品创新和模式创新,中国互联网金融快速崛起,金融体系的科技化渗透逐步提升,对金融监管的原则、理念、框架及手段等均提出了新的要求。本文以现金贷监管新规及其效应为切入点,系统剖析了传统监管理念遭遇新金融模式时,出现的政策缺乏回转空间、监管者与被监管者数量对比失衡、监管边界模糊、风险事件倒逼政策“宽松”式解读等问题,指出监管者面临跨领域监管、把握监管与创新平衡的挑战,提出应提高金融生态监管意识、发展监管科技、优化金融基础设施、探索监管沙盒机制等对策建议。

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Abstract:In recent years,relying on the online and digital trend of business activity,China’s internet finance has risen rapidly through product innovation and model innovation,and the technology penetration of the overall financial system has been gradually improved,thus new requirements have been put forward for the principles,concepts,frameworks and means of financial supervision. This paper takes the supervision of cash loan and its... 展开

Abstract:In recent years,relying on the online and digital trend of business activity,China’s internet finance has risen rapidly through product innovation and model innovation,and the technology penetration of the overall financial system has been gradually improved,thus new requirements have been put forward for the principles,concepts,frameworks and means of financial supervision. This paper takes the supervision of cash loan and its effect as the entry point,systematically analyzes the potential problems and contradictions when the traditional supervision concept meets the new financial model. The problems include the policies’ lack of flexibility,the imbalance between the number of regulators and supervisors,the blurred regulatory boundaries,and the forced “loose” interpretation of risk events,thus it points out that regulators face the challenges of cross-disciplinary supervision and how to balance the regulatory and innovation. This paper proposes countermeasures such as raising financial ecological supervision awareness,developing regulatory technology,optimizing financial infrastructure,and exploring regulatory sandbox mechanism and so on.

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作者简介

薛洪言:薛洪言,硕士,苏宁金融研究院互联网金融中心主任,国家金融与发展实验室金融法律与金融监管研究基地特约研究员,主要研究方向为互联网金融、金融科技、银行转型。

陈嘉宁:陈嘉宁,硕士,苏宁金融研究院高级研究员,主要研究方向为消费金融、P2P等。

赵一洋:赵一洋,硕士,苏宁金融研究院高级研究员,中国政法大学金融法研究中心特约研究员,主要研究方向为供应链金融、小微金融。

晁鹏飞:晁鹏飞,对外经济贸易大学在读研究生,主要研究方向为互联网金融。