数字时代平台经济领域金融业务的监管思考

doi:10.11959/j.issn.2096-0271.2022065

摘要/Abstract

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发展，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带来了风险，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。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 the digital economy, financial business in the field of the platform economy is developing continuously, which has greatly enhanced the support of finance to the real economy.However, the prominent problems of market monopoly and data security in the financial business in the field of platform economy have brought risks to the orderly development of financial business in the field of the platform economy, and also brought new challenges to supervision.In the face of unhealthy and irregular signs and trends in the rapid development of financial business in the field of the platform economy, relevant departments of the state put forward the need to resolutely correct and govern.Starting from the regulatory side, through the observation platform economy enterprise financial business platform for the evolution process and 14 representative enterprises present situation of the financial business, to analyze the risk of economic enterprise financial business platform and regulatory weaknesses, technics of regulation technology was put forward to construct financial risk evaluation model, the first time found risk behavior and hidden dangers, timely warning.The transformation of platform economic regulation will be promoted into active regulation, penetrating regulation, and consistent regulation.

Key words: digital economy, platform economy, financial business, regulatory technology

中图分类号:

王德军, 代亚楠. 数字时代平台经济领域金融业务的监管思考[J]. 大数据, 2022, 8(4): 46-55.

Dejun WANG, Yanan DAI. Regulatory thinking and practice of financial business in the field of platform economy in digital economy era[J]. Big Data Research, 2022, 8(4): 46-55.

图/表 1

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平台	小贷	支付	保险经纪	基金销售	商业保理	消费金融	银行	保险	保险代理	融资担保	融资租赁	征信	证券投顾	基金	交易所	合计
阿里巴巴	3	1		1	1		1	3	1			1		1		13
腾讯	1	1	2	1	1		1	1	2			1			1	12
天星数科	1	1	2		2	1	2				1					10
苏宁金融	1	1		1	1	1	1		1		1	1				9
京东数科	3	1	1	1				1	1							8
新浪金融	2	1	1	1	1	1				1						8
滴滴金融	1	1			1	1		1	1		1					7
国美信科	1	1	1	1	1	1					1					7
携程金融	1	1	1		1	1			1	1						7
陆金所	3			1		1				2						7
奇虎360	1		1	1		1	1			2						7
度小满	2	1	1	1		1										6
美团金融	1	1	1		1		1		1							6
字节跳动	1	1	1										1			4
合计	22	12	12	9	10	9	7	6	8	6	4	3	1	1	1	111