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金融科技创新 最终应服务于实体经济
2017-09-11 07:22:38 中国经济网
多位全国政协委员9日在人民政协报举办的第16期财经智库沙龙上表示,金融科技在风险防控领域对金融业的帮助不容小觑,特别是在数据收集分析、风险定级及预警等领域,金融科技发挥着重要的通道作用。不过,金融科技也是把“双刃剑”,未来应在充分发挥其作用的前提下,重点防控金融科技创新过度带来的新风险和新问题。
与会委员提出,金融科技在金融业的应用,创新了服务手段和方式,提高了金融业服务实体经济的能力,对于推动经济增长模式转变、提高经济全要素生产率具有重要意义。利用大数据、人工智能和云计算,金融业能够对客户进行画像并实施精准营销,提高了普惠金融服务的覆盖面、渗透率和效率,提升了金融服务效率,降低了金融服务成本,有效地防控了金融风险。
同时,大数据为金融监管插上了“翅膀”。与会委员提出,目前我国金融监管已基本形成“一行三会+地方金融办+执法部门”合作的模式,金融科技在其中逐步扮演起了重要的通道作用。在此背景下,监管部门应尽快搭建可共享的监管数据平台,并开放数据输入接口和查询平台;应发挥互联网技术优势,联合一行三会等相关部门,建立金融风险预警监控系统,实时监管银行资产质量、国有企业资源利用效率、地方债务等风险点。
但金融科技也是把“双刃剑”,尤其是在利用底层数据实现去中心化、提升服务效率的同时,也存在“绕过监管”、带来新风险的隐患。
对此有委员提出,我国监管部门应兼顾金融科技对系统性金融风险的“双刃剑”作用,引导金融科技行业稳健、科学发展。还有委员强调,金融科技创新最终要服务于实体经济才能算是履行天职。因此,防范系统性金融风险,既需要金融机构练就效益与风险的“平衡术”,也需要监管部门及时进行制度创新与市场化工具的有效采用。(金辉)
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