摘要
为了促进金融科技发展,诸多国家和地区纷纷对金融科技实施沙盒监管。中国怎么办?基于区块链技术,调动监管机构、行业协会和金融科技从业机构三方主体资源,构建伞形监管沙盒,可行吗?本文在进行相关调研的基础上,提出“基于区块链的伞形监管沙盒”思路,并对其进行了详细阐释,然后从监管资源对金融科技创新的影响方面实证分析其可行性。结果表明,监管资源对金融科技创新具有正效应,基于区块链的伞形监管沙盒通过拓展监管资源可促进金融科技创新,在国家层面具有可行性。最后,就基于区块链的伞形监管沙盒提出政策建议。
In order to promote the development of Fintech,many countries and regions have implemented sandbox regulation on Fintech.What about China?Is it feasible to mobilize the resources of regulators,industry associations and Fintech practitioners to build umbrella-shaped regulatory sandbox based on blockchain technology?On the basis of relevant research,this paper puts forward the idea of“umbrella-shaped regulatory sandbox based on blockchain”and explains it in detail.Then from the impact of regulatory resources on Fintech innovation,its feasibility is analyzed through empirical analysis.The analysis shows that regulatory resources have a positive effect on Fintech innovation.Umbrella-shaped regulatory sandbox based on block chainscan promote Fintech innovation by expanding regulatory resources,which is feasible at the national level.Finally,policy suggestions on umbrella-shaped regulatory sandbox based on blockchain are put forward.
作者
张红伟
陈小辉
Zhang Hongwei;Chen Xiaohui(School of Economics,Sichuan University,Chengdu 610064,China)
出处
《中国科技论坛》
CSSCI
北大核心
2019年第10期8-15,共8页
Forum on Science and Technology in China
基金
国家社会科学基金一般项目“大数据时代中国应对科技与金融深度融合的风险管控研究”(18BJY227)
关键词
金融科技
区块链
伞形监管沙盒
可行性
Fintech
Blockchain
Umbrella-shaped regulatory sandbox
Feasibility
作者简介
张红伟(1963-),女,四川巴中人,博士;研究方向:金融理论与实践、宏观经济分析;通讯作者:陈小辉。
