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金融行业的网络化已经成为国内国际金融业的发展大趋势,金融行业自从诞生以来虽然结合社会经济、文化的变化而快速发展,但类似现代社会金融主体的虚拟化、数字化的变革却是前所未有的。金融行业的网络化在提高交易效率、解决交易成本方面有着天然的优势,但是作为极具变革性的金融运营模式,却无任何历史经验可以进行参考。因此,对监督管理而言是巨大的挑战,尤其在金融风险的监管方面,本文结合作者实际工作经验展开探讨。
The networkization of the financial industry has become a major trend in the development of domestic and international financial industry. Since its birth, the financial industry has developed rapidly in the light of the changes of social economy and culture. However, the virtualization and digitization of modern financial subjects are unprecedented. . The networking of the financial industry has its own natural advantages in improving transaction efficiency and transaction costs. However, as a highly transformable financial operation model, there is no historical experience for reference. Therefore, it is a huge challenge to supervision and management. Especially in the aspect of the regulation of financial risks, this article explores the author’s practical work experience.