本文選題：金融監(jiān)管 + 金融科技��； 參考：《南方金融》2017年10期

【摘要】：監(jiān)管科技將金融科技的典型技術(shù)與監(jiān)管合規(guī)要求進(jìn)行有機(jī)融合,提升監(jiān)管機(jī)構(gòu)的監(jiān)管效能以及金融機(jī)構(gòu)、金融科技企業(yè)的合規(guī)效率。加快監(jiān)管科技應(yīng)用成為新形勢(shì)下金融監(jiān)管方式、機(jī)制創(chuàng)新的新思路、新路徑。監(jiān)管科技在數(shù)據(jù)邏輯上,強(qiáng)調(diào)以數(shù)據(jù)驅(qū)動(dòng)來優(yōu)化金融機(jī)構(gòu)負(fù)債端、資產(chǎn)端業(yè)務(wù)的監(jiān)管流程,通過監(jiān)管流程的數(shù)字化,提升監(jiān)管的有效性、針對(duì)性,運(yùn)用數(shù)據(jù)技術(shù)構(gòu)建安全、穩(wěn)定、可信任的數(shù)字資產(chǎn)監(jiān)管環(huán)境。然而,監(jiān)管科技在應(yīng)用實(shí)踐中也面臨著現(xiàn)實(shí)障礙:金融機(jī)構(gòu)和金融科技企業(yè)IT系統(tǒng)更新升級(jí)滯后,難以滿足監(jiān)管科技的數(shù)據(jù)要求和合規(guī)要求;監(jiān)管法律法規(guī)制度建設(shè)滯后,難以實(shí)現(xiàn)監(jiān)管機(jī)構(gòu)對(duì)金融機(jī)構(gòu)和金融科技企業(yè)數(shù)據(jù)的有效對(duì)接和集中化管理。推進(jìn)監(jiān)管科技的應(yīng)用,在金融機(jī)構(gòu)層面,要加強(qiáng)監(jiān)管科技基礎(chǔ)設(shè)施建設(shè),強(qiáng)化監(jiān)管科技協(xié)同創(chuàng)新;在立法層面,要制定和完善與監(jiān)管科技相關(guān)的數(shù)據(jù)安全、使用、流通和共享等方面的法律法規(guī);在監(jiān)管層面,要建立包括監(jiān)管科技在內(nèi)的金融科技應(yīng)用的行業(yè)標(biāo)準(zhǔn),加強(qiáng)監(jiān)管部門協(xié)同聯(lián)動(dòng),促進(jìn)金融科技規(guī)范、有序發(fā)展。
[Abstract]:Regulatory technology organically integrates the typical technology of financial technology with regulatory compliance requirements to enhance the regulatory effectiveness of regulators and the compliance efficiency of financial institutions and financial technology enterprises.Speeding up the application of science and technology has become a new way of financial supervision and mechanism innovation under the new situation.In the aspect of data logic, the supervision technology emphasizes on optimizing the supervision process of financial institution's debt end and asset end business by using data drive. By digitizing the supervision process, enhancing the effectiveness and pertinence of supervision, and using data technology to construct safety,Stable, trustworthy digital assets regulatory environment.However, the application of regulatory science and technology also faces practical obstacles: financial institutions and financial technology enterprises IT system update and upgrade lags behind, it is difficult to meet the data requirements and compliance requirements of regulatory science and technology, the construction of regulatory laws and regulations lags behind.It is difficult to realize the effective docking and centralized management of financial institutions and financial technology enterprises.To promote the application of regulatory science and technology, at the level of financial institutions, it is necessary to strengthen the supervision of the construction of scientific and technological infrastructure and strengthen the cooperative innovation of regulatory science and technology; at the legislative level, it is necessary to formulate and improve data security related to regulatory science and technology and use it.At the regulatory level, we should establish industry standards for the application of financial science and technology including supervision and technology, strengthen the coordination of regulatory departments, and promote the standardization and orderly development of financial science and technology.
【作者單位】： 中國郵政集團(tuán)公司培訓(xùn)中心;對(duì)外經(jīng)濟(jì)貿(mào)易大學(xué)金融學(xué)院;
【基金】：2017年度河北省社會(huì)科學(xué)基金項(xiàng)目《金融地理視角下的法治建設(shè)、金融包容與小微企業(yè)集群融資結(jié)構(gòu)優(yōu)化實(shí)證研究》(項(xiàng)目編號(hào):HB17YJ100) 2016年度河北省科技廳科技計(jì)劃自籌經(jīng)費(fèi)項(xiàng)目《河北省P2P網(wǎng)貸平臺(tái)的金融風(fēng)險(xiǎn)評(píng)估及其監(jiān)管研究》(項(xiàng)目編號(hào):16455326)的資助
【分類號(hào)】：F832.1;TP18
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本文編號(hào)：1756234