| 摘要: |
| 现阶段，传统金融与新兴技术的融合被推向新的高度，也带来一系列不容忽视的潜在风险。金融科技创新作为一把“双刃剑”，其监管需要在宽松与严格、弹性与刚性之间寻求平衡点，由此“包容审慎”的监管理念应运而生。本文基于金融科技创新的潜在风险、监管实践以及跨国经验的分析，旨在构建更富弹性与效率的“五位一体”多层次包容审慎监管的实现路径。在这一监管路径中，需要充分发挥不同参与主体的作用，既有法律法规的约束作用和政府层面的监管效能，又有来自行业协会、机构内控、社会监督等外部力量，多方形成监管合力，共同强化金融科技创新的包容审慎监管。 |
| 关键词: 金融科技；潜在风险；包容审慎监管；监管科技 |
| DOI： |
| 分类号:F832.1 |
| 基金项目:基金项目：国家社会科学基金一般项目“金融科技创新与监管的激励相容机制及政策研究（21BJY148）”；江苏高校哲学社会科学研究重大项目“金融科技创新监管路径优化研究（2019SJZDA060）”；江苏省研究生科研创新项目“数字经济对区域创新绩效的影响研究（KYCX22_3725）” |
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| On the Inclusive and Prudential Regulation of Fintech |
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YU Xing-hui，BU Ya，WEN Qi-ling，WU Man-hua，HE He-rong
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(Economy and Management School JiangSu University of Science and Technology)
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| Abstract: |
| Nowadays，the integration of traditional finance and emerging technology has been pushed to a new height，but at the same time，it has also ushered in new financial risks.As a “double-edged sword”，the regulation of fintech innovation needs to find a balance between looseness and strictness，flexibility and rigidity.Therefore，the regulatory concept of “inclusiveness and prudence” came into being.Based on the analysis of the potential risks of fintech innovation，regulatory practices and transnational experience，this paper aims to build a more flexible and efficient “five-in-one” multi-level inclusive prudential regulation path.In this regulatory path，it is necessary to give full play to the roles of different participants，including the restrictive role of laws and regulations and regulatory effectiveness at the government level，as well as external forces such as industry associations，internal control of institutions and social supervision，to form regulatory synergy and jointly achieve inclusive and prudent supervision of fintech innovation. |
| Key words: Potential Risk；Inclusive and Prudential Regulation；Regtech |
