| 何亮亮,王鑫田.数字化时代金融科技监管困境与完善路径[J].南京邮电大学学报(社会科学版）,2021,(06):33~44 |
| 数字化时代金融科技监管困境与完善路径 |
| Financial technology regulatory dilemma and improvement path in the digital era |
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| DOI： |
| 中文关键词: 金融科技 金融创新 金融数据 金融风险 科技风险 监管科技 数据保护 |
| 英文关键词:financial technology financial innovation financial data financial risk technological risk supervision technology data protection |
| 基金项目:国家社科基金青年项目“云环境中的取证问题研究”(15CFX029) |
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| 中文摘要: |
| 金融数据作为行业核心竞争要素，受现行监管机制缺陷与法律规则漏洞影响，成为诱发金融风险的导火索，对监管层提出了更为严峻的挑战。整合权力体系与既有规范，加强宏观顶层设计与立法建设，完善微观技术协助式监管与中国式“监管沙盒”模式，坚持以法律治理科技为路径，是构建符合我国国情的金融数据监管体系的应然选择。 |
| 英文摘要: |
| As the core competitive element of the industry, financial data has become the fuse to induce financial risks under the influence of the defects of the current regulatory mechanism and the loopholes of legal rules, which poses a more severe challenge to the regulators. It is an inevitable choice to build a financial data supervision system in line with Chinas national conditions to integrate the power system and existing norms, strengthen macro top level design and legislative construction, improve micro technology assisted supervision and Chinese “supervision sandbox” model, and adhere to the path of legal governance of science and technology. |
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