大数据

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数字时代平台经济领域金融业务的监管思考

王德军, 代亚楠   

  1. 金信网银监管科技研究院,北京100000

  • 作者简介:王德军,男,北京金信网银金融信息服务有限公司,监管科技研究院。 代亚楠(1993- ),女,北京金信网银金融信息服务有限公司,监管科技研究院,监管科技研究员,主要研究方向为金融监管科技。

Regulatory thinking and practice of financial business in the field of platform economy in digital economy era

WANG dejun, DAI yanan   

  1. Jin xin wang yin Supervision and Technology Research Institute, Beijing 100000

摘要:

在数字经济时代大背景下,平台经济领域金融业务不断深化,业务模式、产品类型及服务方式等方面的创新,极大地提升了金融对实体经济的支持力度。但是平台经济领域金融业务乱象频发,市场垄断、数据安全等问题凸显,给平台经济领域金融业务的有序发展累加了风险,也使监管面临新的挑战。面对平台经济领域金融业务快速发展中的不健康、不规范苗头和趋势,国家相关部门提出必须坚决纠正和治理。本文正是从监管侧出发,通过观察平台经济企业金融业务的演进过程和14家代表性平台企业的金融业务现状,分析平台经济企业金融业务的风险及监管痛点,提出运用监管科技等手段,构建金融风险评价模型,第一时间发现风险苗头和隐患,及时发出预警,推动平台经济监管向主动监管、穿透监管、一致性监管模式的转变。

关键词: 数字经济, 平台经济, 金融业务, 监管科技

Abstract:

 In the era of digital economy, financial business in the field of platform economy is constantly deepened, and innovation in business model, product type and service mode has greatly enhanced financial support for the real economy. However, frequent disturbances in financial business in the field of platform economy, prominent problems such as market monopoly and data security, gradually add risks to the orderly development of financial business in the field of platform economy, and also make effective supervision face new challenges. Facing the unhealthy and irregular signs and trends in the rapid development of financial business in the field of platform economy, the relevant departments of the state put forward that we must resolutely correct and govern. Starting from the supervision side, this paper analyzes the risks and regulatory pain points of the financial business of the platform economy enterprises by observing the evolution process and business status quo, and proposes the use of regulatory technology and other means to build a financial risk evaluation model, so as to find the risk signs and hidden dangers in the first time and issue a timely warning. Promote the transformation of platform economic regulation to active regulation, penetrating regulation and consistent regulation..

Key words:

 Digital economy, Platform economy, Financial business, Regulation of science and technology

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