日本金融科技发展及其监管机构改革

Abstract:While Fintech brings personalized convenience services to financial consumers，it also exposes new risks constantly，forcing regulators to think about how to strengthen supervision and encouraging innovation. With the rapid development of fintech，Japan’s financial regulator，the Financial Services Agency （FSA），faces the challenges of Fintech regulation as financial risks intensify and traditional regulation lags behind. So，the FAS has carried out institutional reform and set up a special Fintech supervision department. In order to achieve targeted supervision，the system of Fintech supervision has been divided into departments related to network security，risk warning and virtual currency，in order to promote innovation while effectively implementing Fintech regulation.

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