作　　者： ;

机构地区： 中国人民银行

出　　处： 《金融发展评论》 2017年第4期46-53,共8页

摘　　要： 随着金融科技的迅猛发展,由此产生的金融风险以及监管滞后等问题也逐渐显露。如何兼顾金融创新与风险防范成为各国金融监管面临的共同难题。作为全球金融科技领域发展最好的国家之一,英国金融行为监管局于2016年5年首创"监管沙箱"政策,旨在为金融科技创新提供安全的"监管实验区"。本文在分析"监管沙箱"的运作机制和积极作用的基础上,重点研究"监管沙箱"对我国互联网金融监管的借鉴意义,提出应通过建立"沙箱"测试机制,实行创新产品干预,营造公平竞争的监管环境等措施,实现在风险可控的前提下更好的促进互联网金融创新发展。 With the rapid development of financial science and technology, problems like financial risks and lagging regulation are emerging gradually. The intergration of financial innovation and risk prevention is a common problem facing many countries while carrying out financial regulation. As one of the leading countries in global financial science and technology development, Finacial Conduct Authority in Great Britain initiated 'Regulatory Sandbox' policy, aiming to provide secure'regulatory experiment zone' for FinTech innovation. This paper analyzed the operating mechanism and positive effect of 'Regulatory Sandbox' and studied its reference for China's internet finance regulation. This paper also suggested that we should establish 'sandbox' mechanism, implement intervention on innovative products so as to establish an equitable supervision environment for fair competition, ensuring development and innovation of internet finance under the premise of controllable risks.

关 键 词： 监管沙箱 金融科技 互联网金融创新

领　　域： [] []