本文梳理了金融科技的新特点和对“新型风险”的放大效应，探讨了科技金融对金融监管形成的新挑战。在比较分析各国在金融科技监管方面的新思潮之后，特别聚焦于金融科技在风险控制的应用、监管沙盒和监管科技的发展政策与实践问题，较为详细地梳理了主要趋势和模式选择。在此基础上，借助科技金融创新，从当前金融监管错配的视角加以分析，来寻求中国完善金融科技监管的可行路径和对策建议。
This paper discusses the new characteristics and the amplification effects of the“new risks”brought by FinTech.We also investigate the new challenges to the RegTech from FinTech.First of all，this paper compares and analyzes each country's new ideological trend in FinTech.Then，we focus on the application of FinTech in risk control，development policy and practice of sandbox supervision and RegTech.And the main trends and models of different countries are sorted out in detail.Based on this，this paper makes an analysis from the perspective of FinTech's innovation and regulatory mismatch，so as to find out how to improve the regulation of Chinese FinTech industry.
