近年来，拥有成熟技术平台的大科技公司（BigTech）依托其特有的用户、场景和技术优势快速发展其数字金融业务，逐步形成具有鲜明特色的大科技金融（BigTech in Finance）业务模式与生态体系。本文认为大科技金融的出现是科技与金融业结合顺应数字经济发展的必然现象，其特点鲜明、优势突出，但也存在值得关注的风险点和需要进一步深入思考的新问题。为此，监管部门应秉承前瞻性、包容性和功能性的监管理念，平衡好金融创新与风险防范的关系，构建支持和规范大科技金融良性发展的长效监管机制。
In recent years，BigTech with sophisticated technology platforms have developed digital financial services depending on their customer data，application scenarios and technology advantages，thus forming a distinctive business model and ecosystem of BigTech in Finance. In this paper，BigTech in Finance is considered as an inevitable phenomenon of the combination of technology and finance，with distinct characteristics and benefits on the one hand，and noticeable risks and new concerns on the other. Therefore，regulators should adhere to the regulatory concepts of perspectiveness，inclusiveness and functionality，strike a balance between financial innovation and risk prevention，and establish a long-term regulatory mechanism for the sound development of FinTech.
| Keywords： | Financial RegulationFintechBigTech |
