摘要
在当前数字经济迅猛发展,央行大力推行数字货币的局面下,大数据、云计算、人工智能等科技技术在金融领域应用越来越广泛,随着金融与科技的高速融合,金融科技发展引发的风险也随之放大,金融科技监管面临着进一步的困难与挑战。本文深入分析探究了央行数字货币发展现状及在当前局面下金融科技发展带来的风险,着重审视金融科技监管所面对的机遇和挑战,提出金融科技监管的政策建议。
With the rapid development of the current digital economy and the central bank’s vigorous promotion of digital currency,big data,cloud computing,artificial intelligence and other technologies are increasingly widely used in the financial field,constantly promoting the high-speed integration of finance and technology,while the risks caused by the development of financial technology will be amplified,and financial technology supervision is also facing further challenges and difficulties.Therefore,this paper deeply analyzes and explores the development status of the central bank’s digital currency and the risks brought by the development of financial science and technology in the current situation,and focuses on the coexistence of opportunities and challenges faced by financial science and technology supervision,and puts forward practical policy recommendations for the development of financial science and technology supervision.
作者
刘天宇
冷东波
张帅民
LIU Tianyu;LENG Dongbo;ZHANG Shuaimin
出处
《吉林金融研究》
2022年第11期26-28,共3页
Journal of Jilin Financial Research
关键词
数字货币
金融科技
金融科技监管
digital currency
financial technology
financial technology supervision
