金融强国视域下中国版"监管沙盒"的构建与完善——基于金融科技创新监管试点的应用研究

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中文摘要："监管沙盒"是适应金融科技创新发展的新监管模式.在建设金融强国视域下,系统研究中国版"监管沙盒"的构建与完善,对于深化金融科技创新监管试点,坚定不移走中国特色金融发展之路具有重要意义.中国版"监管沙盒"在借鉴国际经验的基础上,贯彻适应我国金融市场特点、坚持金融服务实体经济等原则,构建了中央与地方配合的顶层设计,探索运用信息公开、产品公示、行业自律等监管机制,并落实了从"入盒"到"出盒"的完整测试流程.中国版"监管沙盒"在金融科技创新监管试点项目中的落地实施,呈现出参与主体多元、监管工具丰富、风险普遍较低等新特征,推动了数字技术与金融场景的深度融合,提升了金融科技服务实体经济能力,但在项目准入、权益保护、持续监管等方面仍有待提升,为此需要完善项目分类遴选与"入盒"标准,打造全流程多元监督闭环,优化"出盒"后的持续监管机制,全面保障金融消费者合法权益,促进金融科技守正创新,助力金融强国建设.

外文标题：The Construction and Improvement of China's Version of"Regulatory Sandbox"under the Perspective of Building a Financial Powerhouse——Based on the Pilot of FinTech Innovation Regulation

外文摘要："Regulatory sandbox"is a new regulatory model adapted to the innovative development of FinTech.In the perspective of building a financial powerhouse,systematic research on the construction and improvement of China's version of"regulatory sandbox"is of great significance to deepen the pilot of FinTech innovation regula-tion and take the road of financial development with Chinese characteristics.Based on international experiences,China's version of"regulatory sandbox"has implemented the principles of adapting to the financial markets and providing financial services to the real economy,constructed a top-level design with the cooperation between the central and local governments,explored the use of regulatory mechanisms such as information disclosure,product disclosure,and industry self-regulation,and implemented a complete testing process from"in the box"to"out of the box".The implementation of China's version of"regulatory sandbox"in the pilot projects of FinTech has pre-sented new features such as diversified participants,rich regulatory tools and lower risks,which has promoted the in-depth integration of digital technology and financial scenarios,and enhanced FinTech's ability to serve the real economy.However,there is still room for improvement in access of project,protection of rights,continuous regula-tion,etc.In this regard,it is necessary to improve the selection of projects and the"in-box"standard,create a closed loop of multi regulation of the whole process,optimize the mechanism for continuous regulation after"out of the box",comprehensively protect the legitimate rights and interests for financial customers,and promote FinTech to uphold fundamental principles and break new ground,so as to contribute to the construction of a financial pow-erhouse.

外文关键词：

financial powerhouseFinTechfinancial innovationdigital financeregulatory sandboxfinancial regulationartificial intelligencenew quality productivity

作者：

周雷、陈佳慧、熊舒琪、车旻昌、黄娴萍

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作者单位：

苏州市职业大学商学院江苏苏州 215104

东南大学经济管理学院江苏南京 211189

国家金融监督管理总局江苏监管局江苏南京 210004

关键词：

金融强国金融科技金融创新数字金融监管沙盒金融监管人工智能新质生产力

基金：

国家社会科学基金项目教育部人文社会科学研究青年基金项目江苏省社科应用研究精品工程课题苏州市职业大学科研项目

项目编号：

21BJY02223YJC79020623SYB-036SVU2023YY04

出版年：

2024

西南金融

四川省金融学会

西南金融

CHSSCD北大核心

影响因子：0.821

ISSN：1009-4350

年,卷(期)：2024.(4)

参考文献量19