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淄博得肺传媒_北京大学报告:中国数字包容性金融经历了一个广泛的封闭金融和经济时代。

????资料来源:最近,北京大学数字金融研究中心在北京发表了北京大学数字普惠金融指数(二期)和中国金融控股公司风险监管等多项报告。报告认为,数字包容性金融是实现低成本、广覆盖、可持续包容性金融的重要模式。中国的数字包容性金融经历了一个广泛的“封闭时代”。报告还认为,目前的监管框架难以有效监管多牌照混合型金融控股公司,金融改革应进一步深化。通过对我国数字包容性金融发展现状的总结,“北京大学数字包容性金融指数(二期)”研究组得出五个结论:一是数字包容性金融是实现低成本、广覆盖、可持续包容性金融的重要模式;二是数字包容性金融在经济落后的地区,中央集权提供了追赶和超越包容性金融的可能性。三是长三角地区,特别是杭州、上海等市辖区,基本上垄断了县级数字普惠金融排名前20位;四是中部地区部分省市发展迅速,数字金融出现明显增长。数字金融的使用已成为数字普惠金融指数增长的重要驱动力。我国数字包容性金融业经历了广泛的“封闭时代”,进入了深度扩张的新阶段。“中国金融控股公司风险与监管”课题组认为,由于有效金融供给不足、法律制度不完善、监管体系不明确,现行行业监管框架难以有效监管多牌照混业经营的金融控股公司。监管主体,容易导致金融控股公司集团层面监管缺失,行业监管的交叉领域和封闭。三是在分业监管模式下,金融控股公司混业经营容易进行监管套利,缺乏行为监管导致部分金融控股集团的野蛮成长;四是金融创新与金融创新难以实现动态平衡。而“一刀切”的金融监管操作难以实现分类措施。为了提高金融监管的有效性,降低系统性金融风险,研究组提出了以下政策建议:一是进一步推进市场化金融改革,加强市场纪律,允许违约和破产,及时释放风险点,积极发展多层次资本市场。二是明确金融控股公司监管主体。要加强对金融控股公司市场准入、资本充足率和关联交易的审慎监管,把握金融公司存在的突出问题,分类实施政策,注意维护监管政策,结合我国产业发展实际。政策的灵活性和灵活性;四是结合我国实际情况,借鉴“监管沙盒”的有益经验,平衡金融创新与稳定的关系,运用监管科学技术提高金融监管的有效性,积极应对金融监管业务。五是在向职能监管转变的过程中,加强审慎监管和行为监管,更多地依靠市场机制和自我责任的基础。在此基础上,加强对金融消费者合法权益的保护。(金辉)责任编辑:李峰

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