新形势下金融科技监管的局限性及策略研究

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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