金融科技的发展创新为市场注入了活力，同时带来的风险也需谨慎防范。美国、英国和澳大利亚等金融科技领先发展的国家近期纷纷采取包容性监管政策以鼓励金融科技创新的同时实现风险防范的目标，同时中国也陆续发布了涉及金融科技各部分监管的政策和指导意见。已有的监管法规的经验启示包括实施对口监管、关注主体实质、采用创新机制、注重信息披露等，同时还需加强对业务发展的关注、构建良好的金融环境和做好分类监管。金融科技还可用于武装监管，以监管科技为技术应用、政策改进为制度保障的智慧监管体系能够给监管带来能力和效率的提升。
The development and innovation of Fintech make the market more flourishing，along with which comes the risk which should be treated cautiously.Countries such as the United States and UK，which are advanced in Fintech development，are taking inclusive regulation in order to encourage innovation and prevent risks at the same time.Nowadays，China has announced several policies and guidance concerning Fintech regulaiton.The experience of past laws includes counterpart regulation and information disclosure while favorable financial circumstance and classified regulation are still essential.Fintech can also apply on regulation as the intelligent regulation system based on Regtech and policy improvement is capable of enhancing the efficiency and capability of regulation.
