本文選題：金融監(jiān)管 + 金融科技　； 參考：《南方金融》2017年10期

【摘要】：監(jiān)管科技將金融科技的典型技術與監(jiān)管合規(guī)要求進行有機融合,提升監(jiān)管機構的監(jiān)管效能以及金融機構、金融科技企業(yè)的合規(guī)效率。加快監(jiān)管科技應用成為新形勢下金融監(jiān)管方式、機制創(chuàng)新的新思路、新路徑。監(jiān)管科技在數(shù)據(jù)邏輯上,強調以數(shù)據(jù)驅動來優(yōu)化金融機構負債端、資產(chǎn)端業(yè)務的監(jiān)管流程,通過監(jiān)管流程的數(shù)字化,提升監(jiān)管的有效性、針對性,運用數(shù)據(jù)技術構建安全、穩(wěn)定、可信任的數(shù)字資產(chǎn)監(jiān)管環(huán)境。然而,監(jiān)管科技在應用實踐中也面臨著現(xiàn)實障礙:金融機構和金融科技企業(yè)IT系統(tǒng)更新升級滯后,難以滿足監(jiān)管科技的數(shù)據(jù)要求和合規(guī)要求;監(jiān)管法律法規(guī)制度建設滯后,難以實現(xiàn)監(jiān)管機構對金融機構和金融科技企業(yè)數(shù)據(jù)的有效對接和集中化管理。推進監(jiān)管科技的應用,在金融機構層面,要加強監(jiān)管科技基礎設施建設,強化監(jiān)管科技協(xié)同創(chuàng)新;在立法層面,要制定和完善與監(jiān)管科技相關的數(shù)據(jù)安全、使用、流通和共享等方面的法律法規(guī);在監(jiān)管層面,要建立包括監(jiān)管科技在內的金融科技應用的行業(yè)標準,加強監(jiān)管部門協(xié)同聯(lián)動,促進金融科技規(guī)范、有序發(fā)展。
[Abstract]:Regulatory technology organically integrates the typical technology of financial technology with regulatory compliance requirements to enhance the regulatory effectiveness of regulators and the compliance efficiency of financial institutions and financial technology enterprises.Speeding up the application of science and technology has become a new way of financial supervision and mechanism innovation under the new situation.In the aspect of data logic, the supervision technology emphasizes on optimizing the supervision process of financial institution's debt end and asset end business by using data drive. By digitizing the supervision process, enhancing the effectiveness and pertinence of supervision, and using data technology to construct safety,Stable, trustworthy digital assets regulatory environment.However, the application of regulatory science and technology also faces practical obstacles: financial institutions and financial technology enterprises IT system update and upgrade lags behind, it is difficult to meet the data requirements and compliance requirements of regulatory science and technology, the construction of regulatory laws and regulations lags behind.It is difficult to realize the effective docking and centralized management of financial institutions and financial technology enterprises.To promote the application of regulatory science and technology, at the level of financial institutions, it is necessary to strengthen the supervision of the construction of scientific and technological infrastructure and strengthen the cooperative innovation of regulatory science and technology; at the legislative level, it is necessary to formulate and improve data security related to regulatory science and technology and use it.At the regulatory level, we should establish industry standards for the application of financial science and technology including supervision and technology, strengthen the coordination of regulatory departments, and promote the standardization and orderly development of financial science and technology.
【作者單位】： 中國郵政集團公司培訓中心;對外經(jīng)濟貿易大學金融學院;
【基金】：2017年度河北省社會科學基金項目《金融地理視角下的法治建設、金融包容與小微企業(yè)集群融資結構優(yōu)化實證研究》(項目編號:HB17YJ100) 2016年度河北省科技廳科技計劃自籌經(jīng)費項目《河北省P2P網(wǎng)貸平臺的金融風險評估及其監(jiān)管研究》(項目編號:16455326)的資助
【分類號】：F832.1;TP18
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本文編號：1756234