文章摘要
张宇芊.金融科技监管问题法律规制的构建[J].全球科技经济瞭望,2021,36(3):39~45
金融科技监管问题法律规制的构建
Construction of Legal Regulation on Fintech Supervision
投稿时间:2021-01-12  
DOI:10.3772/j.issn.1009-8623.2021.03.007
中文关键词: 金融科技监管;法律规制;监管主体;监管对象
英文关键词: fintech supervision; legal regulation; regulatory subject; regulatory object
基金项目:
作者单位
张宇芊  
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中文摘要:
      金融科技作为一种科技时代的新兴事物,不仅促使金融业加快现代化的步伐,亦扩大了相关主体的利益共享,提高了金融业效率和效益,与此同时也造成诸多参与主体之间的新矛盾,其中金融监管者与被监管者之间的矛盾尤为突出,是关系到整个金融体系是否持续健康发展的关键,因此寻求与解决该矛盾成为重要的金融问题。传统金融监管由于其法律层面的空白与不完善、监管范式的落后、监管资源的匮乏等缺点,已不适用于作为新兴事物的金融科技,因此本文以金融监管主体法律规制的改革与金融监管对象法权义务的明晰完善为主线,在规避金融风险的基础上,力求最大程度地实现金融科技领域参与主体的创新共赢,充分探索发挥创新式金融监管力量,以积极响应金融科技健康发展之需。
英文摘要:
      Fintech not only promotes the financial industry to fasten the pace of modernization but also expands the interest share of the related bodies and enhances the financial efficiency and benefit as a kind of emerging era of scientific technology, and meanwhile, it also causes the new contradiction among many participants, which is a self-evident contradiction between the financial regulator and the regulated, and is the key to the sustainable healthy development of the whole financial system. Therefore, it becomes an important financial problem to seek and solve this contradiction. The traditional financial supervision has not adopted the emerging fintech due to its blank and incompleteness of laws, the falling back of supervision mode and lack of supervision resource. As a result, this paper focuses on the reform of legal regulation of financial supervision body and legal obligation of financial supervision object, makes the best effort to realize the win-win outcome of the participating bodies in the field of fintech based on avoiding financial risks and fully exploring innovative financial supervision to respond the healthy developing needs of fintech actively.
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