摘要
当前,我国数字经济迎来全面提速发展期,新兴技术与互联网平台模式得到广泛应用,变革传统金融业态,引领金融数字化转型,促进金融包容性增长。然而,金融科技创新催生了诸多监管挑战,金融发展、金融稳定、金融公平等价值追求难以平衡。着眼于数字经济时代金融发展的特征,金融监管难题的样态与技治主义的破解之道得以显现。数字化的金融创新应配套以新技术为基础的监管制度,从协调数字金融监管职能、完善数字金融征信体系、规范数字金融市场、优化监管沙盒等维度,助推数字经济高质量发展。同时,技治主义也应符合行政决策和监管的基本原则,把技术和技治主义纳入法治轨道。
At present,China's digital economy has ushered in a period of comprehensive and accelerated development,and emerging technologies and Internet platform models have been widely used to change the traditional financial industry,leading the digital transformation of finance and promoting financial inclusive growth.However,the innovation of financial technology has given rise to many regulatory challenges,and it is difficult to find a balance between financial development and the pursuit of financial stability,financial fairness and other values.This paper focuses on the characteristics of financial development in the era of digital economy,and analyzes the pattern of financial regulatory challenges and the way to technical governance.Digital financial innovation should be accompanied by a new technology-based regulatory system,which can help promote the high-quality development of the digital economy from the dimensions of coordinating the regulatory functions of digital finance,perfecting the digital financial credit system,standardizing the digital financial market,and optimizing the regulatory sandbox.At the same time,technical governance should also comply with the basic principles of administrative decision-making and regulation,and bring technology and technical governance into the rule of law.
作者
沈伟
SHEN Wei(KoGuan Law School,Shanghai Jiao Tong University ,200030)
出处
《上海经济研究》
CSSCI
北大核心
2024年第5期99-115,共17页
Shanghai Journal of Economics
关键词
数字经济
金融科技
数字金融
金融监管
监管沙盒
技术治理主义
Digital Economy
Fintech
Digital Finance
Financial Regulation
Regulatory Sandbox
Technical Governance
作者简介
沈伟(1972-),男,江苏启东人,上海交通大学法学院,特聘教授、博士生导师,研究方向:金融法、国际法。
