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基于区块链技术的数字金融风险监管

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数字金融创新导致金融风险泛化,传统金融监管不适应,命令式金融监管存在缺陷,金融技术性规则不具有监管实时性.监管科技符合金融监管演进的理论逻辑,有利于实现金融监管目标,监管科技具有技术可行性.从国外数字金融监管发展现状、监管体制改革的历史演进逻辑、各国的数字金融监管手段分析得出,基于区块链技术的数字监管路径(搭建区块链数字治理架构,嵌入式数字收集治理工具,建立数据分析机制)能够抑制数字金融风险,保护金融消费者利益.
Digital Financial Risk Supervision Based on Blockchain Technology
Digital financial innovation leads to the generalization of financial risks,traditional financial regulation is not suitable,command based financial regulation has defects,and financial technical rules do not have real-time regulatory ca-pabilities.Regulatory technology conforms to the theoretical logic of financial regulatory evolution and is conducive to achie-ving financial regulatory goals.Regulatory technology has technical feasibility.Based on the analysis of the current develop-ment status of digital finance regulation in foreign countries,the historical evolution logic of regulatory system reform,and the digital finance regulatory methods in various countries,it can be concluded that the digital regulatory path based on block-chain technology(building a blockchain digital governance architecture,embedded digital collection governance tools,and establishing data analysis mechanisms)can suppress digital finance risks and protect the interests of financial consumers.

Digital financeRegulatory technologyBlockchain technologyRegulatory sandbox

韩俊华、韩贺洋、周全

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宁波财经学院 财富管理学院,浙江 宁波 315175

南京审计大学 内部审计学院,江苏 南京 211815

石河子大学 经济与管理学院,新疆 石河子 832000

数字金融 监管科技 区块链技术 监管沙箱

国家社科基金一般项目

20BJY257

2024

科学管理研究
内蒙古自治区软科学研究会

科学管理研究

CSTPCDCSSCICHSSCD北大核心
影响因子:1.184
ISSN:1004-115X
年,卷(期):2024.42(2)
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