在清華大學(xue)五道口金(jin)(jin)(jin)融學(xue)院、清華大學(xue)國家(jia)金(jin)(jin)(jin)融研究(jiu)院17日(ri)主辦的“第(di)二屆中國金(jin)(jin)(jin)融科技大會”上,專家(jia)表示(shi),金(jin)(jin)(jin)融科技正在重(zhong)塑金(jin)(jin)(jin)融生態,將對監管和法律帶(dai)來影響。
金融生態重塑
清(qing)華大學國(guo)家金(jin)融(rong)(rong)研究院(yuan)院(yuan)長朱民表示(shi),過去幾(ji)年金(jin)融(rong)(rong)科技(ji)突飛(fei)猛(meng)進(jin),對金(jin)融(rong)(rong)業(ye)存(cun)、貸(dai)、支(zhi)付和融(rong)(rong)資(zi)等功能產生(sheng)一系列(lie)顛覆性沖擊(ji),金(jin)融(rong)(rong)科技(ji)正(zheng)在重(zhong)塑金(jin)融(rong)(rong)生(sheng)態。
朱(zhu)民說,金(jin)(jin)融生(sheng)(sheng)(sheng)態包括金(jin)(jin)融機構、消費(fei)者、市(shi)場基礎設施、監(jian)管和(he)(he)法律。對金(jin)(jin)融機構來說,金(jin)(jin)融科技的沖擊在于將其生(sheng)(sheng)(sheng)產過程從內生(sheng)(sheng)(sheng)變成外化(hua)(hua)。以(yi)前,金(jin)(jin)融機構產品(pin)的設計(ji)、生(sheng)(sheng)(sheng)產、分(fen)管、配置和(he)(he)銷售(shou)(shou)均(jun)在機構內部(bu)進(jin)行,金(jin)(jin)融科技迫使這個(ge)內生(sheng)(sheng)(sheng)環節外生(sheng)(sheng)(sheng)化(hua)(hua)、社會化(hua)(hua)、商品(pin)化(hua)(hua)和(he)(he)產業鏈化(hua)(hua)。今天,金(jin)(jin)融產品(pin)的設計(ji)、生(sheng)(sheng)(sheng)產、控制(zhi)、配置和(he)(he)銷售(shou)(shou)變成一個(ge)產業鏈、市(shi)場化(hua)(hua)過程。
金融科技(ji)使消(xiao)(xiao)費者地位大大提(ti)(ti)升。金融科技(ji)賦權給消(xiao)(xiao)費者,大大提(ti)(ti)高了金融機構對(dui)消(xiao)(xiao)費者的服務標準,金融科技(ji)改變(bian)了市場基(ji)礎(chu)設施。
朱民指出,金融科(ke)技造成(cheng)的最(zui)大沖(chong)擊和變(bian)化是在監管和法(fa)律方面。監管應(ying)從機構監管走(zou)向功能監管,應(ying)從靜(jing)態(tai)區域監管走(zou)向跨(kua)區域、跨(kua)境監管。
不允許偽創新
中國互聯網金(jin)(jin)(jin)融(rong)(rong)(rong)(rong)協會會長李東(dong)榮表示,完(wan)善的基(ji)礎設施和標(biao)準規(gui)則體系(xi)將使金(jin)(jin)(jin)融(rong)(rong)(rong)(rong)科(ke)(ke)技(ji)(ji)(ji)生態(tai)更開放、更健(jian)康。要(yao)(yao)(yao)進(jin)一(yi)步完(wan)善支付清算、信息通信等基(ji)礎設施體系(xi),使金(jin)(jin)(jin)融(rong)(rong)(rong)(rong)服務能夠更加(jia)安(an)全、可信、低成(cheng)本地擴展到更廣泛區域和群體。按穿透(tou)式、一(yi)致性原則,建立健(jian)全金(jin)(jin)(jin)融(rong)(rong)(rong)(rong)科(ke)(ke)技(ji)(ji)(ji)監管規(gui)則體系(xi)。無論何種(zhong)類型的從(cong)業機(ji)構,只要(yao)(yao)(yao)從(cong)事金(jin)(jin)(jin)融(rong)(rong)(rong)(rong)業務、提供金(jin)(jin)(jin)融(rong)(rong)(rong)(rong)服務,就(jiu)必(bi)須接受(shou)基(ji)本一(yi)致的市場準入政策和監管要(yao)(yao)(yao)求。要(yao)(yao)(yao)完(wan)善金(jin)(jin)(jin)融(rong)(rong)(rong)(rong)科(ke)(ke)技(ji)(ji)(ji)統(tong)計(ji)監測和風險監測體系(xi),持續地、動態(tai)地跟蹤金(jin)(jin)(jin)融(rong)(rong)(rong)(rong)科(ke)(ke)技(ji)(ji)(ji)發展、演進(jin)和風險變化。
需建立消(xiao)費者(zhe)保護和風(feng)險教(jiao)育體系,讓金(jin)(jin)融(rong)科(ke)(ke)技(ji)的客戶懂金(jin)(jin)融(rong)、知風(feng)險。應通(tong)過規范(fan)統一的信息披露、合同(tong)登記、風(feng)險提(ti)示等手段(duan),提(ti)高金(jin)(jin)融(rong)科(ke)(ke)技(ji)服務全流程透明度,認真落實投資(zi)者(zhe)適(shi)當性要求。強調賣者(zhe)有(you)責(ze),以低(di)收入人(ren)群(qun)、農民等金(jin)(jin)融(rong)服務中的弱勢(shi)群(qun)體為重(zhong)點,充分(fen)依(yi)靠(kao)和發(fa)揮各種宣傳(chuan)媒體工具(ju)作用,分(fen)門別類開(kai)展(zhan)金(jin)(jin)融(rong)知識普(pu)及和精準(zhun)教(jiao)育,提(ti)高消(xiao)費者(zhe)數(shu)字(zi)金(jin)(jin)融(rong)素養,引導樹立買者(zhe)自負的投資(zi)理(li)念。
李東榮說(shuo),如果缺乏正確的發(fa)展理念和(he)價值導向,金融創(chuang)新(xin)(xin)(xin)很(hen)可(ke)能(neng)滑向自我循(xun)環、過(guo)度(du)膨脹,甚至引(yin)發(fa)經(jing)濟金融危機(ji)、社(she)會(hui)危機(ji)。從(cong)事(shi)金融業(ye)務的機(ji)構不應(ying)搞(gao)那些(xie)(xie)脫離自身發(fa)展和(he)社(she)會(hui)發(fa)展階(jie)段、超出(chu)自身風(feng)險管(guan)(guan)控能(neng)力的過(guo)度(du)創(chuang)新(xin)(xin)(xin),也不能(neng)打著改革(ge)和(he)創(chuang)新(xin)(xin)(xin)的旗(qi)號(hao)搞(gao)脫離實體經(jing)濟需求、標新(xin)(xin)(xin)立異的所謂創(chuang)新(xin)(xin)(xin),更不允許打著改革(ge)和(he)創(chuang)新(xin)(xin)(xin)的旗(qi)號(hao)去搞(gao)那些(xie)(xie)誘惑和(he)欺騙群眾(zhong)、逃避法律監管(guan)(guan)、從(cong)事(shi)非法集資活動、破壞市場秩序和(he)社(she)會(hui)穩定(ding)的偽創(chuang)新(xin)(xin)(xin)。
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