金融科技强调新技术对金融业务的辅助、支持和优化作用，代表着金融与科技的全方位融合趋势。由于金融科技存在跨界化、去中心化等特点，可能出现跨监管领域、高度复杂的金融产品，对现有的监管制度及体系产生影响，因此，对金融科技的监管面临诸多挑战。本文对2017年国内出台的部分金融科技监管政策进行分析，梳理了国外金融监管主体和国际组织对金融科技业态的部分政策立场。最后，结合我国金融科技产业发展的实际情况，提出具有针对性的政策建议，以期促进我国金融科技行业健康有序发展。
Representing the trend of comprehensive integration of finance and technology，the term of“FinTech”emphasizes the supplementary，supporting and optimizing functions of innovative technology on the financial services sectors.Due to the characteristics such as mixed-operation and decentralization of FinTech，highly sophisticated financial products that cross the regulatory regimes may emerge，bringing impacts and challenges to the existing regulatory framework.This article analyzes some of the domestic regulations and policies introduced to FinTech sectors in 2017，and sorts out the FinTech policies and positions of oversea regulatory bodies and international organizations.Finally，based on the market practices，this article puts forward specific suggestions on the sustainable developments of FinTech industry.
