哲学社会科学版
陕西师范大学学报(哲学社会科学版)
法学研究
中国监管科技的实践探索及其完善路径
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黄震, 张夏明
(中央财经大学 法学院, 北京 100081)
黄震,男,汉族,湖南衡山人,法学博士,中央财经大学法学院教授,博士研究生导师。
摘要:
作为新技术在监管领域的应用,中国监管科技通过技术治理手段,有效提升了金融监管能力,帮助市场和企业实现合规健康发展,维护金融安全稳定。中国监管科技在制度环境、机制体系和契约关系方面有别于西方的内生土壤,在金融监管服务方面呈现出“自上而下”的发展路径。但中国监管科技发展存在制度环境不完善、中央和地方监管科技权责体系不匹配,以及监管科技在运用中存在政府与市场界限不清晰等不足。加强监管科技顶层设计以约束“法律父爱主义”,协调央地监管科技与金融监管事权的权责匹配,在政府和市场二元平衡的基础上优化监管科技激励相容和公平竞争的契约关系,推进监管科技国内外合作和标准制定,助力提升中国金融风险治理的能力和水平,打造监管科技实践的中国模式和中国样本。
关键词:
监管科技; 金融科技; 金融监管; 金融风险治理; 法律父爱主义
收稿日期:
2023-03-31
中图分类号:
F832
文献标识码:
A
文章编号:
1672-4283(2023)04-0079-11
基金项目:
Doi:
10.15983/j.cnki.sxss.2023.0708
The Practical Exploration and Improvement Path of Regtech in China
HUANG Zhen, Zhang Xiaming
(Law School, Central University of Finance and Economics, Beijing 100081)
Abstract:
The application of regulatory technology (RegTech) in the regulatory field has effectively enhanced China’s financial regulatory capabilities, assisting the market and enterprises in achieving compliance and healthy development, and safeguarding financial security and stability. China’s RegTech has a distinct development path from the West, characterized by its inherent institutional environment, mechanism system, and contractual relationships, which serve financial regulation in a “topdown” manner. However, there are deficiencies in the development of China’s RegTech, such as an imperfect institutional environment, a mismatch between the central and local regulatory technology governance systems, and unclear boundaries between government and market in the application of regulatory technology. To address these shortcomings, it is necessary to strengthen the toplevel design and coordinated planning of regulatory technology, in order to constrain excessive reliance on paternalistic legalism. It is important to harmonize the power and responsibilities of regulatory technology between the central and local levels, optimize the contractual relationships for regulatory technology coordination and cogovernance based on a balanced governmentmarket framework, promote domestic and international cooperation in regulatory technology, and establish standards. These efforts will help enhance China’s ability and level of financial risk governance, and create a Chinese model and reference for the practice of regulatory technology.
KeyWords:
Regtech; Fintech; financial regulation; financial risk governance; legal paternalism