Research On Innovative Framework And Countermeasure Of Fin Tech Supervision

The collision between ever-changing technology and financial innovations has brought Financial Technology(FinTech).While promoting the transformation and development of the traditional financial industry,it has continuously spawned many new financial formats and gradually reconstructed the financial ecosystem,injecting new vitality and providing new impetus to the overall innovation and development of the global financial industry.However,there is still a lack of systematic research theory on FinTech in the academic circles,which makes it a certain challenge to its research and discussion.So,what exactly is the connotation of FinTech,and what impact can it bring? what is the development situation of FinTech at home and abroad,and are there any risks? If so,what efforts are needed in the existing financial regulatory system? These issues are all to be systematically explored.In the context of combing the relevant theoretical research on the connotation and influence of FinTech,this paper mainly advances the research process from the following aspects: Firstly,it emphatically analyzes the development practice and risk factors of FinTech,so as to lead to the discussion on the necessity of regulatory follow-up and the urgency of supervision reform.Secondly,the paper introduces in detail the differentiated system model of FinTech supervision at home and abroad,focusing on introducing new systems and technologies such as Regulatory Sandbox and Regulatory Technology(RegTech)to the new thinking of supervision system innovation.Thirdly,on the basis of the first two parts,this paper continues to put forward the logic of regulatory innovation in combination with the basic principles of FinTech supervision.Under the premise of clear innovation logic,this paper focuses on the construction of a unified,inclusive and forwardlooking "policy + technology" two-dimensional regulatory framework.Finally,this paper also puts the foothold into the exploration of several directional realization paths of the innovative framework,and puts forward corresponding countermeasures and suggestions for the government supervision of China's FinTech in combination with the institutional environment of China's financial supervision.