摘要
金融科技特有的创新性与风险性使得传统管制型金融监管模式已无法满足金融科技发展的需求。包容审慎监管秉持包容与审慎两大监管理念,与金融科技的创新性与风险性相契合,成为金融科技监管的新思路。金融科技实施包容审慎监管需要科学配置金融监管权与金融监管规则制定权。构建金融科技包容审慎监管制度需要遵循底线思维,建立监管底线准则;遵循谦抑性原则,完善金融市场准入制度;遵循鼓励创新原则,建立“试验容错”监管制度;遵循诚信原则,建立信用监管制度。
The unique innovation and risk of financial technology make the traditional regulatory financial supervision model no longer able to meet the needs of financial technology development.Inclusive and prudent regulation adheres to the two principles of inclusiveness and prudence,which are compatible with the innovation and risk of financial technology,and become a new idea of fintech regulation.The implementation of inclusive and prudent regulation of fintech requires scientific allocation of financial supervision power and financial regulation rule-making power.Building an inclusive and prudential supervision system for financial technology needs to follow bottom-line thinking and establish regulatory bottom-line guidelines;Following the principle of humility and improve the financial market access system;Following the principle of encouraging innovation and establish a“fault-tolerant”supervision system;Following the principle of good faith and establish a credit supervision system.
作者
侯东德
田少帅
Hou Dongde;Tian Shaoshuai
出处
《南京社会科学》
CSSCI
北大核心
2020年第10期87-94,共8页
Nanjing Journal of Social Sciences
基金
国家法治与法学理论研究项目“智能投顾的法律规制研究”(18SFB2034)的阶段性成果。
关键词
金融科技
包容审慎监管
试验容错监管
financial technology
inclusive prudential supervision
fault-tolerant supervision
