摘要
数字金融创新对促进高质量经济增长具有重要意义。中国数字金融业务已经形成了一定规模,但还远未成熟。本报告提出以下四个方面的政策建议:第一,对数字金融的监管框架必须强化统筹与协调功能,实现监管全覆盖;第二,建立具有可操作性的"监管沙盒"机制;第三,努力平衡大数据效率与隐私保护之间的关系,同时为大数据分析支持金融决策创造良好的信用环境与基础设施;第四,监管部门对传统金融机构与数字金融机构要一视同仁,实现公平竞争。
Digital financial innovation is of great significance for promoting high-quality economic development.China’s digital financial business has reached a certain scale,but it is far from mature.This article proposes following four policy recommendations:first,the regulatory framework for digital finance must strengthen coordination function to achieve full regulatory coverage;second,to establish an operable"regulatory sandbox"mechanism;third,to balance the relationship between big data efficiency and privacy protection,and at the same time,create a good credit environment as well as infrastructures for big data analysis to support financial decision-making;fourth,regulators should treat traditional financial institutions and digital financial institutions equally and create a fair competition environment.
作者
黄卓
沈艳
HUANG Zhuo;SHEN Yan(Peking University)
出处
《新金融评论》
2019年第4期108-124,共17页
New Finance Review
基金
《2019·径山报告》分报告“数字金融创新促进高质量经济增长”的部分课题成果,本期分报告执笔人为黄卓和沈艳,系北京大学数字金融研究中心副主任,课题组成员还包括郭峰和黄益平等.
关键词
数字金融创新
高质量经济增长
Digital Finance
High-quality Economic Development
