摘要
在数字化时代,科技深度赋能金融服务的同时,也易引发国家金融安全风险,包括与传统金融活动结合、构建新型金融网络系统及新兴科技直接应用等场景。金融科技引发国家安全风险的生成机理在于,随着金融体系的中介类型增多、金融风险传导渠道增加,新金融网络体系会产生基于“关联”的风险。金融科技“破坏性创新”的特征,会从金融监管立法与实施两个方面冲击传统金融监管框架,从而加剧监管失灵。国家金融安全的法治保障亟须理论层面的反思与重构,进而形成金融科技的“动态协同”治理模式,从外层金融网络与基础设施安全、中层金融科技创新活动和内层金融服务行为三个层面,构建多层次的金融科技法治保障体系。
In digital era,while the technology deeply empowers financial services,it might also lead to national financial security risks,in the scenarios such as coupling with traditional financial activities,developing new financial network systems,and directly applying emerging technologies.While the types of intermediaries in the financial system increase and the financial risk transmission channels diversify,the new financial network system generates risks based oncorrelation,which is the feature of national security risks caused by financial technology.Thedisruptive innovation characteristics of financial technology will impact the traditional financial regulatory framework from two aspects,namely,financial regulatory legislation and implementation,thus exacerbating regulatory failures.The legal safeguard of national financial security urgently demands thorough reflection and reconstruction,so as to form adynamic collaboration governance model of financial technology.A well-structured system should be built from three levels,such as the outer financial network and infrastructure security,the middle-level financial technology innovation activities,and the internal financial service behaviors.
作者
郭雳
GUO Li(Law School,Peking University,Beijing 100781,China)
出处
《现代法学》
CSSCI
北大核心
2024年第3期21-33,共13页
Modern Law Science
基金
中国法学会重点委托课题“加强国家金融安全法治保障研究”(CLS(2023)ZDWT07)。
关键词
金融科技
国家金融安全
数据治理和保护
金融法治
动态协同模式
fintech
national financial security
data governance and protection
rule of law in financial sector
dynamic collaboration governance model
作者简介
郭雳(1975-),男,山西太原人,北京大学法学院教授,法学博士。
