摘要
金融科技潜在的技术风险、操作风险、法律风险,甚至是导致系统性风险的可能迫使监管者改变原有的事后总结性监管模式。然而,现有法律体系和技术手段难以与监管方式高度匹配,以规则治理和原则治理,以及审慎监管和行为监管为核心的传统监管体系在应对去中心化的交易现状时显得相对滞后和无效。因此,在传统监管维度外,将科技治理纳入监管方式,形成二维监管体系以应对金融科技内涵的风险和可能带来的挑战势在必行。以大数据、区块链等新兴技术为基础的科技治理方式将重塑现有的监管体系,数据驱动的监管核心将构筑智能化监管平台,突破传统模式的监管窘境,实现分布式平等监管,最终以创新式监管维护金融市场的稳定。
The potential technical risk, operational risk, legal risk and even systemic risk of Fintech may force the regulators to change the original post-mortem supervision mode. However,the existing legal system and technical means are difficult to be highly matched with the regulatory approach,and the traditional regulatory system centering on rule governance and principle governance,as well as prudential regulation and behavioral regulation,appears to be relatively backward and ineffective in dealing with the decentralized trading status quo. Therefore, in addition to the traditional regulatory dimensions, it is imperative to bring science and technology governance into the regulatory approach and form a two-dimensional regulatory system to deal with the risks and possible challenges in the connotation of Fintech. Science and technology governance based on emerging technologies such as big data and block chain will reshape the existing regulatory system. The data-driven regulatory core will build an intelligent regulatory platform,break through the traditional regulatory dilemma,realize distributed and equal regulation,and finally maintain the stability of the financial market with innovative regulation.
引文
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