国外金融科技监管实践及对中国的启示

金融科技利用技术手段向客户提供金融产品和服务,它降低了金融交易成本,提高了金融服务效率,但同时也使服务方式更加虚拟、业务边界逐渐模糊,给现有的金融监管体系带来了一定的难度和挑战。从目前国外对金融科技的监管实践来看,金融科技的监管适用于基于原则的监管,对同样风险或功能的业务适用于相同的监管规定,要坚持技术中性的监管原则,明确法律监管范围。同时,也要借鉴创新枢纽和监管沙盒等监管工具,以科技手段提升监管效率,服务金融机构的监管需求。

The Practice of Foreign Fin-tech Supervision and Its Enlightenment to China

Fin-tech uses technical means to provide financial products and services to customers.It reduces the cost of financial transactions and improves the efficiency of financial services.However,at the same time,it also makes the service mode more virtual and business boundaries gradually blurred,which brings certain difficulties and challenges to the existing financial regulatory system.From the current foreign supervision practice of fin-tech,the regulation of fin-tech is applicable to the regulation based on principles,and the same regulation is applicable to the business with the same risk or function.We should adhere to the technology neutral supervision principle and clarify the scope of legal supervision.At the same time,we should also learn from the innovation hub,regulatory sandbox and other regulatory tools to improve the regulatory efficiency by means of science and technology and serve the regulatory needs of financial institutions.