本文關(guān)鍵詞： Fintech 監(jiān)管創(chuàng)新 監(jiān)管沙箱 分析框架 淡中心化監(jiān)管　出處：《湖北社會(huì)科學(xué)》2017年06期 　論文類(lèi)型：期刊論文

【摘要】："Fintech"即技術(shù)引發(fā)的金融創(chuàng)新,主要是指能夠?qū)鹑谛袠I(yè)產(chǎn)生顛覆性影響的科技創(chuàng)新活動(dòng)。Fintech的迅猛發(fā)展能夠顯著提升金融效率,同時(shí)也會(huì)帶來(lái)新的金融風(fēng)險(xiǎn),因而對(duì)現(xiàn)代金融監(jiān)管提出了新的挑戰(zhàn)。為促進(jìn)金融市場(chǎng)的繁榮與穩(wěn)定,英美等金融發(fā)達(dá)國(guó)家以及FSB等國(guó)際金融組織積極開(kāi)展Fintech監(jiān)管的創(chuàng)新探索,形成了監(jiān)管沙箱、淡中心化監(jiān)管、風(fēng)險(xiǎn)評(píng)估的分析框架等制度成果,從不同側(cè)面揭示了Fintech監(jiān)管制度的發(fā)展方向。這些探索為解決我國(guó)Fintech發(fā)展超前而監(jiān)管制度滯后的問(wèn)題提供了新的思路。未來(lái)我國(guó)的金融監(jiān)管改革應(yīng)當(dāng)秉持創(chuàng)新發(fā)展理念,穩(wěn)步實(shí)施穿透式監(jiān)管,逐漸實(shí)現(xiàn)主動(dòng)型監(jiān)管,嘗試在新興領(lǐng)域進(jìn)行淡中心化監(jiān)管,以跟上Fintech的時(shí)代步伐。
[Abstract]:"Fintech" is a technology-induced financial innovation, mainly refers to the scientific and technological innovation activities that can have a disruptive impact on the financial industry. The rapid development of Fintech can significantly improve financial efficiency, but also bring new financial risks. In order to promote the prosperity and stability of the financial market, developed countries such as the United States and the United States, as well as international financial organizations such as FSB, actively explore the innovation of Fintech supervision, and form a sandbox for supervision. Weak centralized supervision, risk assessment analysis framework and other institutional achievements, This paper reveals the development direction of Fintech supervision system from different aspects. These explorations provide a new way of thinking to solve the problem that China's Fintech development is ahead and the supervision system lags behind. In the future, China's financial supervision reform should uphold the idea of innovation and development. We should steadily implement penetrating supervision, gradually realize active supervision, and try to carry out light centralized supervision in emerging fields in order to keep pace with the times of Fintech.
【作者單位】： 武漢大學(xué)中國(guó)邊界與海洋研究院;
【基金】：教育部人文社會(huì)科學(xué)重點(diǎn)研究基地重大項(xiàng)目“國(guó)際金融法律秩序變革研究”(11JJD82009)的階段性研究成果
【分類(lèi)號(hào)】：D971.2;DD912.28
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本文編號(hào)：1519214