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从颠覆到合作 金融科技再塑金融生态

2017-09-24 07:36:51   中国经济网

“像蚂蚁金服是一个大平台,很可能是一个垄断的平台,这个垄断平台的出现,是集中和分散的两个极端的出现金融市场。”朱民称。

井贤栋认为,整个从金融科技第三方平台来看,投资、融资规模来看,整个平台包括京东金融、财付通等全部加起来,可能与整个金融市场的总量相比连1%的金额都不到。在新金融道路上,一切才刚刚开始。没有竞争者,更多是同路人。

前行方向:监管与市场

“我们的确是认为监管是与创新不会背道而驰的,我们甚至还又往前走了一步,我们认为满足监管方面的要求,其实是创新的机会所在,只有它自身能够给我们带来创新的机会。”Aaron Karczme称。

实际上,无论美国还是中国,金融科技的未来都取决于监管与市场的共同作用。从2016年底开始,更严格的监管已在发生,在新形势下有利于帮助这个行业更加健康的发展。监管的思路清晰,市场的步伐更快捷。

朱民表示,金融正在发生最大的冲击和变化是在监管和法律方面。因为金融科技的出现,监管第一个必须从机构的监管走向功能监管,当整个的功能是内生的时候,监管针对机构就可以解决所有的问题。混业经营的时候我们开始讨论功能监管,在金融科技的前提下,监管没有任何选择,必须从机构监管走向功能监管。监管第二个必须从一个静态的区域、一个城市、一个点走向跨区域和跨境的监管,因为所有的科技金融都是跨区域、跨境的。

央行副行长易纲在“2017中国普惠金融国际论坛”上表示,凡是搞金融的都要持牌经营,纳入监管,要实现监管全覆盖。“下一步监管将加快建立健全行业的信息化监管基础设施,通过技术手段来实施监管,全面掌握行业的数据,同时及时制定标准和规则。”中国互联网金融协会秘书长陆书春称。“现在是最好的时代。”腾讯集团副总裁赖智明称,“未来还是有很大的想象空间,我们看到有很多机会,可以为更多社会层面,包括传统产业,以互联网+、金融连接的方式来提供服务。甚至海外的一些发展;我们也看到周边的国家(东南亚、美国、欧洲)都可以成为一些样板,设计一些新的科技来跟国家级别的不同机构进行连接。”

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