Risk Response and Legal Guarantee of Financial Technology from the Perspective of National Financial Security
In digital era,while the technology deeply empowers financial services,it might also lead to national financial security risks,in the scenarios such as coupling with traditional financial activities,developing new financial network systems,and directly applying emerging technologies.While the types of intermediaries in the financial system increase and the financial risk transmission channels diversify,the new financial network system generates risks based on"correlation",which is the feature of national security risks caused by financial technology.The"disruptive innovation"characteristics of financial technology will impact the traditional financial regulatory framework from two aspects,namely,financial regulatory legislation and implementation,thus exacerbating regulatory failures.The legal safeguard of national financial security urgently demands thorough reflection and reconstruction,so as to form a"dynamic collaboration"governance model of financial technology.A well-structured system should be built from three levels,such as the outer financial network and infrastructure security,the middle-level financial technology innovation activities,and the internal financial service behaviors.
fintechnational financial securitydata governance and protectionrule of law in financial sectordynamic collaboration governance model
NETL
NSTL
万方数据
