监管沙盒:国外应用和本土化

金融科技已成为金融创新和监管创新的主要推动力,也给金融监管带来挑战。英国、印度等国相继推出监管沙盒。借鉴国外发展经验,在监管实施主体层面,国家金融监管部门应与地方政府一起构建跨地区监管沙盒合作机制,实现普惠金融;在测试主体层面,以银行业为切入点逐步推广实施,积极引入金融科技公司形成协同效应,鼓励沙盒中的测试企业建立合作伙伴关系;在金融消费者层面,需要搭建消费者数据共享平台,注重消费者权益保护。未来,中国式监管沙盒需要构建良好的信息传递机制,促进监管能动性的积极转变,实现金融科技与监管创新的协同发展。

Regulatory Sandbox:Foreign Applications and Localization

Fintech has become the main driving force of financial innovation and regulatory innovation, and it has also brought challenges to financial regulation. Britain, India and other countries have successively launched regulatory sandboxes. Drawing on foreign development experience, at the level of regulatory implementation subjects, national financial regulatory authorities should work with local governments to build a cross-regional regulatory sandbox cooperation mechanism to achieve inclusive finance. At the level of testing subjects, we should gradually promote and implement using banking industry as an entry point, actively introduce fintech companies to form synergies, and encourage test companies in the sandbox to establish partnership. At the level of financial consumers, it is necessary to build a consumer data sharing platform and pay attention to the protection of consumer rights. In the future, the Chinese-style regulatory sandbox needs to build a good information transmission mechanism, promote the positive transformation of regulatory initiative, and realize the coordinated development of financial technology and regulatory innovation.