摘要
当前,全球金融科技蓬勃发展,如何寻求防范风险和鼓励创新的平衡成为各监管机构面临的首要问题。本文分析了金融科技发展面临的风险以及对监管者提出的挑战,总结了世界主要国家或地区的先进监管经验,提出加快顶层设计、完善行业自律、借鉴沙箱思想、利用监管科技以及增加教育投入等适应我国金融科技发展实际的监管建议。
At present,with the booming development of global financial science and technology,how to find a balance between risk prevention and innovation encouragement has become the primary issue facing all regulators.The paper analyzes the risks during the development of financial of science and technology and challenges for regulators,summarizes advanced regulatory experience of the main countries or regions in the world,then puts forward regulatory suggestions adapting to China’s actual development of financial science and technology such as speeding up the top design,improving the industry self-discipline,learning from the idea of the sandbox,using technology regulation,and increasing education investment and so on to.
作者
刘卫平
任兆麟
薛高
夏汶钰
LIU Weiping;REN Zhaolin;XUE Gao;XIA Wenyu(Xi’an Branch PBC,Xi’an Shaanxi 710075)
出处
《西部金融》
2018年第7期55-58,共4页
West China Finance
关键词
金融科技
风险
监管
financial science and technology
risk
regulation
