“金融(rong)(rong)科技(ji)的本質是要干(gan)什么呢?一定要降低成本、提高效(xiao)率(lv),而不是以技(ji)術來(lai)試(shi)探金融(rong)(rong)準(zhun)入的門檻,以技(ji)術來(lai)突破金融(rong)(rong)監管的底線。”5月20日,在“2018清華五(wu)道口(kou)全(quan)球(qiu)金融(rong)(rong)論壇”上(shang),北京市金融(rong)(rong)工作局黨組書(shu)記、局長霍(huo)學文表示。
霍學文(wen)稱,金(jin)融(rong)(rong)科技(ji)不(bu)(bu)是(shi)簡單的金(jin)融(rong)(rong)和(he)科技(ji)的結(jie)合,而是(shi)金(jin)融(rong)(rong)和(he)科技(ji)的融(rong)(rong)合。地方的金(jin)融(rong)(rong)或許不(bu)(bu)像“一行兩會”有嚴(yan)格的監管(guan)機構,有嚴(yan)密的監管(guan)的手(shou)段、監管(guan)的法規,以(yi)及處(chu)罰的規則,所以(yi)在這些不(bu)(bu)完善的情(qing)況下,更需要通(tong)過(guo)技(ji)術來加(jia)強(qiang)監管(guan)。
“現(xian)代的(de)(de)金(jin)(jin)(jin)融(rong)(rong)分為三大(da)部分:最(zui)小的(de)(de)一部分金(jin)(jin)(jin)融(rong)(rong)是“一行兩會”發(fa)(fa)牌照的(de)(de)法人金(jin)(jin)(jin)融(rong)(rong)機構或者說持牌金(jin)(jin)(jin)融(rong)(rong)機構;第(di)二(er)個就是由諸(zhu)多的(de)(de)金(jin)(jin)(jin)融(rong)(rong)產品的(de)(de)發(fa)(fa)行而引發(fa)(fa)的(de)(de)金(jin)(jin)(jin)融(rong)(rong)功能(neng),這(zhe)是更(geng)大(da)的(de)(de)一個圈;最(zui)大(da)的(de)(de)一個圈是金(jin)(jin)(jin)融(rong)(rong)行為,這(zhe)個行為是很(hen)難(nan)(nan)(nan)預測、很(hen)難(nan)(nan)(nan)計量,而且更(geng)加難(nan)(nan)(nan)以監管的(de)(de)。”霍學文(wen)在發(fa)(fa)言中表示(shi)。
“在互聯網金融時代,尤其是金融科技的發(fa)展(zhan),區塊鏈、大數據、云(yun)計算等一系(xi)列技術的加入,讓金融更(geng)加的復雜(za)。所以(yi)我們要監測(ce)金融行為,嚴控金融功(gong)能,守好(hao)機(ji)構的底線,這樣(yang)才能夠把金融科技發(fa)展(zhan)好(hao)。”霍學(xue)文(wen)稱(cheng)。
霍(huo)學(xue)文指出,目前(qian)金(jin)融(rong)面臨(lin)五(wu)(wu)大(da)風(feng)(feng)(feng)險(xian)(xian)(xian)(xian)。首先,發展(zhan)金(jin)融(rong)科技要(yao)識別信(xin)用風(feng)(feng)(feng)險(xian)(xian)(xian)(xian);第(di)二,是合(he)規風(feng)(feng)(feng)險(xian)(xian)(xian)(xian),現(xian)在(zai)的(de)非法金(jin)融(rong)活(huo)動是“三合(he)一”結合(he),“互聯(lian)(lian)網+傳銷+線(xian)(xian)下(xia)”,非法金(jin)融(rong)活(huo)動由線(xian)(xian)上轉(zhuan)到線(xian)(xian)下(xia)的(de),要(yao)在(zai)現(xian)有網格化(hua)的(de)手段(duan)上,發動老百姓,有獎舉報,加(jia)大(da)獎勵,使其在(zai)線(xian)(xian)下(xia)也無法發展(zhan);第(di)三,技術風(feng)(feng)(feng)險(xian)(xian)(xian)(xian),包括(kuo)數據安(an)全(quan)(quan)風(feng)(feng)(feng)險(xian)(xian)(xian)(xian),隱私保(bao)護(hu)風(feng)(feng)(feng)險(xian)(xian)(xian)(xian),交易安(an)全(quan)(quan)風(feng)(feng)(feng)險(xian)(xian)(xian)(xian),身份認證風(feng)(feng)(feng)險(xian)(xian)(xian)(xian);第(di)四,市場(chang)風(feng)(feng)(feng)險(xian)(xian)(xian)(xian),主(zhu)要(yao)是要(yao)防止(zhi)過渡投機和(he)資產泡沫(mo)化(hua);第(di)五(wu)(wu),系統性風(feng)(feng)(feng)險(xian)(xian)(xian)(xian),主(zhu)要(yao)是要(yao)防止(zhi)跨(kua)時空跨(kua)區域(yu)。現(xian)在(zai)互聯(lian)(lian)網金(jin)融(rong)全(quan)(quan)球化(hua)明顯(xian),跨(kua)越(yue)時空、跨(kua)越(yue)區域(yu)的(de)風(feng)(feng)(feng)險(xian)(xian)(xian)(xian)越(yue)來越(yue)大(da),傳播速度(du)快,小風(feng)(feng)(feng)險(xian)(xian)(xian)(xian)聚(ju)合(he)起來可(ke)以演化(hua)成大(da)風(feng)(feng)(feng)險(xian)(xian)(xian)(xian)。
技術(shu)的兩面性決定了可(ke)以用技術(shu)違規,也可(ke)以用技術(shu)監(jian)(jian)管,就看誰走得(de)快。據(ju)了解,目前(qian),北京已經按照全息大數據(ju)可(ke)視化的要求建立(li)了三個系(xi)統(tong):監(jian)(jian)管系(xi)統(tong)、監(jian)(jian)測預(yu)警系(xi)統(tong)、第三方(fang)的監(jian)(jian)管合作(zuo)平臺(tai),讓監(jian)(jian)管變(bian)得(de)更(geng)加(jia)有效。
怎樣加強監(jian)管?霍學(xue)文表示,監(jian)管部門要按照減量、發(fa)(fa)(fa)展、創新(xin)發(fa)(fa)(fa)展、高質量發(fa)(fa)(fa)展的(de)(de)要求,做好(hao)相(xiang)關的(de)(de)工作(zuo);積極(ji)應(ying)對(dui)新(xin)技(ji)術(shu)的(de)(de)挑戰(zhan),發(fa)(fa)(fa)揮新(xin)技(ji)術(shu)的(de)(de)優勢,同時引(yin)進(jin)(jin)更(geng)多的(de)(de)外(wai)資金融機構,引(yin)進(jin)(jin)更(geng)多的(de)(de)國(guo)際的(de)(de)先進(jin)(jin)技(ji)術(shu)和(he)先進(jin)(jin)公司。“外(wai)資的(de)(de)進(jin)(jin)入,外(wai)資在北(bei)京的(de)(de)發(fa)(fa)(fa)展,也會(hui)在金融科技(ji)領域得到更(geng)有效(xiao)的(de)(de)推動。”霍學(xue)文稱。
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