China: 金融科技规定研究系列:金融科技基础知识小结

Last Updated: 3 June 2019
Article by Bi Xiuli and He Wang
Most Read Contributor in China, August 2019

在2019年2月22日的中共中央政治局会议上,中央把"防范金融风险、支持实体经济、正确把握金融本质、深化金融供给侧结构性改革"当做我国金融业健康发展的既定目标。从目前来看,将新科技与金融业务有机融合,被认为是推动实体经济和金融发展共存共荣的解决之道。

金融科技于近几年在我国悄然兴起并日益扮演着重要的角色,但金融科技方面的法律法规还不完善且出现了一系列的问题,相关主管部门正在完善立法,加强监管。为了更好的研习相关规定,为相关客户提供优质的法律服务,笔者将陆续以研究文章的方式予以研习探讨,以期抛转引玉。

本文为系列研究的第一篇,从总体上对金融科技予以理解和把握。主要包括基本含义、分类、监管(牌照、主管部门、相关依据)以及金融科技企业上市案例等方面予以简要小结。

一、基本含义

本部分主要包括基本概念、互联网金融与金融科技两部分内容。

(一)基本概念

金融科技(Fintech,即由"Finance"(金融)与"Technology"(科技)两个词合成而来),金融科技重塑了传统金融业。金融科技行业为以信息技术为基础,将大数据、人工智能、云计算、生物识别、区块链等各类科技手段,用于银行、保险、证券、基金、消费金融等传统金融行业,产生系列新兴金融生态,包括但不限于:零售银行,网络借贷与融资,云计算平台、数字货币、资产管理、互联网保险、监管科技等,金融科技有利于提升效率并有效降低运营成本,发展普惠金融。

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