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

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International Comparative Study on Regulatory Policies of Digital Finance

ZHANG Henglong,TIAN Congying   

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

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