一(yi)部金融(rong)(rong)(rong)發(fa)展史，就是一(yi)部科技(ji)進步史，科技(ji)創(chuang)新(xin)從來都(dou)是金融(rong)(rong)(rong)和資管行業(ye)不(bu)可(ke)或缺的創(chuang)新(xin)要素。今天(tian)，大數據、區塊鏈、云(yun)計算(suan)、人工智能等(deng)(deng)一(yi)系列技(ji)術創(chuang)新(xin)日(ri)新(xin)月異飛(fei)速發(fa)展，科技(ji)創(chuang)新(xin)已經逐漸(jian)應用于(yu)支付清算(suan)、借(jie)貸融(rong)(rong)(rong)資、投資管理、保險(xian)等(deng)(deng)金融(rong)(rong)(rong)領(ling)域，對(dui)金融(rong)(rong)(rong)業(ye)產生(sheng)了前所未有的深遠影響。

　　在科(ke)技(ji)創新(xin)驅動下，金(jin)融(rong)(rong)(rong)(rong)(rong)科(ke)技(ji)巨(ju)頭(tou)攻城略(lve)地，傳統(tong)金(jin)融(rong)(rong)(rong)(rong)(rong)和(he)資(zi)管業態正被(bei)重(zhong)塑。新(xin)技(ji)術的應用提高金(jin)融(rong)(rong)(rong)(rong)(rong)效(xiao)(xiao)率，加速新(xin)型服務(wu)模式誕(dan)生，改變(bian)金(jin)融(rong)(rong)(rong)(rong)(rong)和(he)資(zi)管業務(wu)開展(zhan)的形(xing)式和(he)渠(qu)道，提供更加豐富的金(jin)融(rong)(rong)(rong)(rong)(rong)產品，以更低成本(ben)、更高效(xiao)(xiao)率的手(shou)段(duan)聯(lian)結上下游，讓消費者和(he)中小企業以更低的成本(ben)、更為便捷的方法和(he)更多(duo)的渠(qu)道獲得適合自己需求的金(jin)融(rong)(rong)(rong)(rong)(rong)服務(wu)。同時，用大數(shu)據把握市(shi)場(chang)機會，增加透(tou)明度(du)(du)，降低信息不對稱，一定(ding)程度(du)(du)上使風(feng)險更準確地被(bei)評估(gu)和(he)更好(hao)地被(bei)定(ding)價(jia)。此外(wai)，科(ke)技(ji)創新(xin)更是在推(tui)動傳統(tong)金(jin)融(rong)(rong)(rong)(rong)(rong)行業技(ji)術變(bian)革中起(qi)到了“鯰魚效(xiao)(xiao)應”，通(tong)過競爭優(you)化傳統(tong)金(jin)融(rong)(rong)(rong)(rong)(rong)機構服務(wu)能力，幫(bang)助改進現有金(jin)融(rong)(rong)(rong)(rong)(rong)體系(xi)。

　　金(jin)(jin)(jin)融(rong)(rong)(rong)科(ke)技也(ye)是一把(ba)雙刃劍(jian)。隨著金(jin)(jin)(jin)融(rong)(rong)(rong)科(ke)技打破了金(jin)(jin)(jin)融(rong)(rong)(rong)業(ye)(ye)務(wu)的明確(que)邊(bian)界(jie)，跨行業(ye)(ye)、跨市場(chang)的跨界(jie)金(jin)(jin)(jin)融(rong)(rong)(rong)服務(wu)日益豐(feng)富，多(duo)種業(ye)(ye)務(wu)之間相互關(guan)(guan)聯(lian)滲(shen)透交(jiao)叉，風(feng)險交(jiao)織(zhi)復雜、難以(yi)識別和(he)度(du)量，跨界(jie)、跨地域和(he)跨市場(chang)融(rong)(rong)(rong)合，帶來傳染(ran)效應、外(wai)溢(yi)加劇。此外(wai)，關(guan)(guan)聯(lian)交(jiao)易、平臺壟(long)斷(duan)、數據產(chan)權、個人隱(yin)私(si)和(he)金(jin)(jin)(jin)融(rong)(rong)(rong)消費(fei)者利(li)益保護問題需要(yao)進一步(bu)明晰。因此，有關(guan)(guan)部門近日強調，要(yao)按(an)照金(jin)(jin)(jin)融(rong)(rong)(rong)科(ke)技的金(jin)(jin)(jin)融(rong)(rong)(rong)屬性，把(ba)所有的金(jin)(jin)(jin)融(rong)(rong)(rong)活(huo)動納入到統一的監管(guan)范圍。將完善風(feng)險全(quan)覆(fu)蓋(gai)的監管(guan)框架。增強監管(guan)的穿透性、統一性和(he)權威性，依法將金(jin)(jin)(jin)融(rong)(rong)(rong)活(huo)動全(quan)面納入監管(guan)，對同(tong)(tong)類業(ye)(ye)務(wu)、同(tong)(tong)類主體一視同(tong)(tong)仁。

　　當然，監(jian)管并不是要扼殺金(jin)(jin)融(rong)科技創新，而是引導金(jin)(jin)融(rong)科技的健康、可持續發(fa)展。既要鼓勵創新、弘揚企業家精神，也(ye)要加強監(jian)管，依法將金(jin)(jin)融(rong)活動全面(mian)納入監(jian)管，有(you)效防(fang)范(fan)風險(xian)，保護(hu)金(jin)(jin)融(rong)消費者利益。同(tong)時，監(jian)管過程(cheng)中也(ye)需要充分應用包括(kuo)大數據、云計算(suan)在(zai)內的金(jin)(jin)融(rong)科技，對創新試錯容錯和風險(xian)監(jian)控(kong)機(ji)制進行完善，打磨出(chu)符合我國國情(qing)、相(xiang)對成熟(shu)的金(jin)(jin)融(rong)科技創新監(jian)管工具。

　　金融(rong)(rong)(rong)科技(ji)的未來在于提高金融(rong)(rong)(rong)效率，降低交易成(cheng)本，降低金融(rong)(rong)(rong)風(feng)險，真正增(zeng)加金融(rong)(rong)(rong)消(xiao)費者福利，真正讓生活更(geng)美好，金融(rong)(rong)(rong)科技(ji)企業才(cai)能真正發展(zhan)壯大。