Research on the Supervision Mechanism of Fintech from the Perspective of Financial Security
Nowadays China's fintech is widely used in financing credit,payment transaction,risk control,green finance and other financial scenarios,which not only improves the efficiency of financial services,but also generates and transmits the financial risks.For cloud computing,big data,block chain and other information technologies,there are a large number of complex nonlinear changes between algorithm input and output,and it is difficult to detect and verify the authenticity,resulting in risks with the characteristics of crypticity,infectiousness,complexity and so on.As an important means of risk control,supervision must safeguard the bottom line of financial security.In terms of the connotation of financial security,it is found that China's fintech supervision and separate supervision mode are not suitable for the cross-industry development of fintech,the passive regulation rules lag behind the rapid development of fintech,and the testing mechanism of innovative supervision is not perfect,which have led to weak fintech supervision in China.Therefore,fintech supervision should adjust the approaches under the existing supervision framework,clarify the supervision functions of relevant departments,and establish specific rules for fintech supervision.It is suggested it should realize the whole-process supervision on fintech from three aspects:pre-warning,in-process control and post-responsibility,so as to improve the efficiency of supervision.
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维普
