| 摘要: |
| 摘要：金融科技作为一种“破坏式”的创新，深化了金融机构业务交叉和混业经营，成为风险更具爆发性和传染性的催化剂，对传统金融监管提出了挑战，由此“穿透式”的监管理念应运而生。本文首先阐述了穿透式监管的基本内涵和理论机理，其次分析了美国、英国和欧盟等国家或组织穿透式监管的国际经验，最后提出金融科技穿透式监管的实现路径，如丰富监管主体，统筹监管体系；明晰监管边界，统一监管规范；细化监管对象，避免风险加剧；借助监管科技，强化信息披露。 |
| 关键词: 关键词：金融科技；穿透式监管；国际经验；实现路径 |
| 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设计”（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）。 |
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| Research on the Mechanism and Path of Fintech Look-Through Supervision |
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BU Ya，KONG En-hui
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(School of Economy and Management,JiangSu University of Science and Technology)
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| Abstract: |
| Abstract：As a “disruptive” innovation,fintech has deepened the cross-business and mixed operation of financial institutions,become a catalyst for more explosive and infectious risks,and challenge the traditional financial supervision,thus the concept of look-through supervision came into being.This paper first expounds the basic connotation and theoretical mechanism of look-through supervision,then analyzes the international experience of look-through supervision in countries or organizations such as the United States,the United Kingdom and the European Union,and finally puts forward the realization path of look-through supervision of fintech,such as enriching regulatory bodies and coordinating regulatory systems；Clear regulatory boundaries and unify regulatory norms；Refine the object of supervision and avoid risk intensification；Use regulatory technology and enhance information disclosure. |
| Key words: Key words：Fintech；Look-through Supervision；International Experience；Realization Path |
