秘书 ›› 2022, Vol. 40 ›› Issue (4): 9-17.

• 本期专题 • 上一篇    下一篇

数字金融监管政策的国际比较研究

张恒龙,田聪莹   

  1. 上海大学
  • 出版日期:2022-07-15 发布日期:2022-09-14
  • 作者简介:张恒龙,上海大学经济学院教授、博士生导师,中国社会科学院-上海市人民政府上海研究院规划与合作处处长。研究方向:公共经济、世界经济和区域经济研究、公共服务均等化和“一带一路”。田聪莹,上海大学经济学院硕士研究生。研究方向:数字金融、区域经济发展。
  • 基金资助:
    上海市人民政府决策咨询研究课题重点项目“上海数字金融跨越式发展的突破口与政策支撑体系研究”(2022-A-011)

International Comparative Study on Regulatory Policies of Digital Finance

ZHANG Henglong,TIAN Congying   

  • Online:2022-07-15 Published:2022-09-14

摘要:

近年来,大数据、云计算、物联网和人工智能等数字技术逐渐渗入金融领域,数字金融应运而生。金融业与数字技术的有机结合一方面推动了金融的迅猛发展,另一方面也暴露出相应的非传统金融风险。全球主要发达国家和地区已“先试先改”,将数字金融这一新兴业态纳入金融监管体系并不断加以完善。基于此,通过对美国、英国、德国、新加坡、日本、印度等国家数字金融监管政策的演进过程进行比较,梳理全球数字金融监管的主要经验,为中国的数字金融监管提供启示与政策建议。

关键词: 数字金融, 监管政策, 国际比较

Abstract:

In recent years,digital technologies such as big data,cloud computing,Internet of things and artificial intelligence have gradually penetrated into the financial field,resulting in the emergence of digital finance. On the one hand,the organic combination of financial industry and digital technology promotes the rapid development of finance. On the other hand,it also exposes the corresponding non-traditional financial risks. Major developed countries and regions around the world have incorporated digital finance,an emerging form of business,into the financial regulatory system and continuously improved it. Based on this,this paper compares the evolution of digital financial regulatory policies in the United States,the United Kingdom,Germany,Singapore,Japan,India and other countries,combs out the main experience of global digital financial regulation,and provides enlightenment and policy suggestions for China’s digital financial regulation.

Key words: digital finance, regulatory policy, international comparison