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科技助推监管增质提速 合规驱动恒昌迎来新机

2017-04-28 16:05:59   东方网

随着各项监管政策的落地和行业治理的持续深化推动,互联网金融行业彻底结束野蛮生长,进入监管收紧、清理整顿的实战阶段。虽然互金行业的整体环境和风险控制逐渐趋好,但由于行业体量巨大、业态复杂等现实因素,导致仅靠传统监管方式来达到穿透式监管显得力不从心。因此,对于如何实现监管有效落地实施,业界专家也提出了新的监管模式。在上月召开的博鳌亚洲论坛上发布的《互联网金融报告2017》中,首次提到 “运用监管科技,提升监管技术水平”的监管理念。面对互金行业监管整改到年底完成的最后期限,为了实现监管政策及时落实、整改过程全面增质提速,因此必须引入、强化监管科技应用,提升监管体系的技术水平,从而大幅度提高监管效率。

在博鳌亚洲论坛发布的《互联网金融报告2017》中,主要聚焦 “创新”和“监管”两大核心关键词。为了全面提升监管效率,在当前的监管形势下,国家监管部门也开始大胆畅想“科技+监管”擦出的火花。而在报告的十条高级原则中也将“监管科技”提上了日程。一方面,互联网金融的诞生彻底颠覆了传统银行的“二八定律”,为融资难融资贵的中小企业解决了资金注入的难题,使金融更具普惠性。但是与传统银行不同,互联网金融小额分散的网络借贷模式,由于需要海量的信审工作和大量数据筛查,这就需要大数据、云计算、人工智能、区块链等先进的金融科技作为支撑。金融科技是最终实现互金行业超越传统金融模式的支撑与独特优势。而面对互联网金融的技术创新和复杂的金融业态,对监管提出的难度和挑战可想而知。技术创新的问题必须用先进技术来解决,为了更好实现监管政策的落地,监管理念必须与时俱进,监管科技的引入恰逢其时。此外,由于互联网金融的累积风险监管日渐紧迫,在严监管的大势下,通过先进技术协助,实现信息披露,数据共享,将极大地提高监管的效率。打造风险预警体系,将监管前置,助力监管机构对互金企业进行实时监控,及时发现风险异动,妥善预判解决。

另一方面,在有效控制互联网金融风险的同时,监管机构更希望让互联网金融的创新优势得以保留,实现金融科技创新与有效管控风险的双赢局面。为此,提出了以技术协同监管的柔性监管,如:借鉴国外先进经验的监管沙盒,即构建一个金融创新的“安全空间”,在这个安全空间内,金融科技企业可以测试其创新的金融产品、服务、商业模式和营销方式。此外,企业自身积极拥抱监管,实现信息披露共享,主动投入技术创新、打造风控体系等行为也将进一步与机构监管协同对接,促进监管科技的发展进步。总之,创新+监管的模式诞生的科技监管将进一步提升监管效率,促进互金平台信息公开透明,让互金行业摆脱劣币驱逐良币的低门槛野蛮生长,从而使合规经营、拥有完善风控体系、坚持金融创新的优质平台脱颖而出。

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