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金融科技给各国监管者的监管能力带来了挑战,监管者必须处理好“创新试错和风险控制”“法律的稳定性与灵活性”“严格执法与灵活执法”之间的矛盾。英国等国家和地区推出的监管沙盒制度以鼓励创新、降低企业合规成本为目标,以“容错”为核心功能,通过“风险容错”和“合规容错”较好地解决了三大矛盾。我国的试点机制与监管沙盒在市场化程度、合法性程度和制度化程度、监管方式与监管重点等方面存在区别,应该借鉴域外监管沙盒的制度经验,制定符合国情的金融科技容错监管制度。
Financial science and technology have posed challenges to the regulatory capacity of regulators in all countries. Regulators must handle “innovation trial-and-error and risk control”, “stability and flexibility of law”, “strict law enforcement and flexible enforcement” Conflict between. The regulatory sandbox system introduced in the United Kingdom and other countries and regions aims to encourage innovation and reduce the compliance costs of enterprises, with “fault tolerance” as the core function, and through “risk tolerance” and “compliance and fault tolerance” better Solved the three major contradictions. China’s pilot mechanism and regulatory sandbox in the degree of marketability, degree of legitimacy and institutionalization, regulatory approach and regulatory focus and so there are differences, we should learn from the system of experience in regulatory sandbox extraterritoriality, the development of financial science and technology fault-tolerant regulatory system .