摘要
金融科技的飞速发展给金融科技监管带来了严峻的挑战和考验.传统的金融监管理念、监管方式等与金融科技背景下的监管需求不匹配,因此需要对我国的金融科技监管进行革新.基于金融科技发展的全球大背景下,首先对我国金融科技的发展现状与监管历程进行剖析,并对全球主要国家金融科技监管的新框架、新理念、新模式与新做法进行全面详细地阐释,最后借鉴全球金融科技监管的有益经验,从制定法律法规体系、加强国际监管合作、大力发展监管科技、培养金融科技人才与打造金融基础设施方面提出完善我国金融科技监管的相关对策与建议.
Abstract
The rapid development of fintech has brought serious challenges and tests to fintech regulation.The tradition-al financial regulatory concepts,regulatory methods,etc.do not match the regulatory needs in the context of fintech,so it is necessary to innovate the regulation of fintech in China.Based on the global background of the development of financial technology,this paper firstly analyses the development status quo and regulatory history of China's financial technology,then comprehensively and in detail explains the new framework,new concepts,new modes and new practices of financial technology regulation in major countries around the world,and finally draws on the beneficial experience of global financial technology regulation,from the development of laws and regulations,strengthening international regulatory cooperation,and vigorously developing regulatory technology,fostering fintech talents and building financial infrastructure.
基金项目
国家社会科学基金一般项目(21BTJ051)
陕西省教育厅青年创新团队科学研究计划项目(21JP043)
NETL
NSTL
万方数据