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银监会官员:穿透技术黑匣子 用科技手段监管FinTech

2017-08-08 10:31:22   央广网

近年来,金融科技(FinTech)概念在全球范围内迅速兴起,引起了国际社会的广泛关注。20国集团(G20)推动成立的金融稳定理事会(FSB)将其初步定义为由技术变革驱动的金融服务创新,这些金融创新可能产生新的商业模式、技术应用、业务流程和创新产品,从而对金融服务的供给产生重要影响。

目前来看,合规科技(RegTech)和监管科技(SupTech)也被纳入金融科技范畴予以研究。可以说,金融科技作为一股潮流,在推动银行业务创新的同时也给监管带来了挑战。

监管应当如何在防控风险的同时,鼓励金融科技发展,就这一问题,日前,本报记者对银监会有关部门负责人进行了专访。

记者:金融科技在银行业发展的现状如何?

:按照巴塞尔委员会(BCBS)的分类方法,金融科技活动主要分为支付结算、存贷款与资本筹集、投资管理、市场设施(包括分布式账户)四类。其中,前三类业务具有较明显的金融属性,一般纳入金融监管;第四类并不是金融行业特有的业务或技术应用,通常被界定为金融机构的第三方服务。

从银行业的情况看,目前已开展的金融科技活动主要集中在前三类。支付结算类主要有移动支付、支付清算等,例如诸多银行的云闪付、微众银行和华瑞银行联合开发的区块链应用系统等;存贷款类主要有网络信贷信息中介、直销银行、精准营销等,例如宁波银行的直销银行投融资业务、南京银行的“你好银行贴鑫贷”、兴业银行的“安愉人生”综合金融养老精准营销服务等;投资管理类主要有同业资产交易、智能投顾等,例如南京银行的鑫合易家、招商银行的摩羯智投业务等。

今年以来,各大型银行纷纷宣布与科技公司、电商企业开展合作,建设银行与阿里巴巴和蚂蚁金服宣布战略合作,工商银行与京东金融签署金融业务合作框架协议,农业银行与百度战略合作并共建金融科技联合实验室,中国银行与腾迅合作成立金融科技联合实验室……大型银行与互联网巨头的联合,将进一步促进银行与科技企业优势互补,共同推动金融科技发展,更好地服务实体经济,助力普惠金融。

记者:现在全球已经形成一个共识,那就是在金融科技带来诸多益处的同时,也不能忽视伴随而来的风险。从银监会方面来看,如何看待这些问题?

:诸多研究表明,金融科技是一把“双刃剑”,一方面,金融科技在扩大金融服务覆盖面、降低金融服务成本、提升金融服务效率、促进普惠金融发展等方面带来诸多好处,对金融业的发展利大于弊,应当支持和鼓励;另一方面,金融科技也引发了新的风险,对其发展中的问题,应找准“症结”,对症下药,在促发展和防风险之间做好平衡。

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