互联网金融的监管探析

近年来，随着大数据、云计算、人工智能、区块链等数字技术的发展，金融科技（Financial Technology，FinTech）成为了学术界和实务界广泛关注的焦点产业。金融科技的创新能够提高金融配置资源的效率，完善金融的风控体系，有助于巩固金融的稳定性和普惠性，但同时由于其打破了技术与金融的边界，不仅无法消除金融的固有风险，反而使得风险传播速度更快、传播方式更隐蔽，由此带来了监管的困局。目前，我国监管当局尚未摒弃传统的监管思维，存在着“放任自流”和“一刀切”的极端监管方式，为监管套利留下了空间。未来，应探索完善金融科技创新与监管的平衡机制，充分借鉴国外成熟经验创新监管方式，尤其运用监管科技推进创新与监管的不断融合。

Regulatory Quandary and Its Solutions of FinTech in China

With the development of big data, cloud computing, AI, block chain and other digital technologies, financial technology is being widely billed as one of the focus industries by the academics and practical realm in recent years. FinTech can improve the efficiency of financial resources’ allocation, enhance the system of risk control, and consolidate both the stability and inclusiveness of finance. Meanwhile, FinTech breaks the boundaries between technology and finance, which cannot eliminate the inherent risk of finance, and even makes financial risks much more infectious and concealed, thus bringing a regulatory dilemma. At present, Chinese supervisory authorities still keep the outdated supervisory thinking, usually in the extreme forms