关键词: 金融数字化, 风险监管, 监管挑战, 监管变革

Abstract: Financial digitization,as a new type of financial industry spawned by the fourth industrial revolution,has become the mainstream trend of innovation and development in the financial industry.Digital innovation has not only reshaped the financial model,financial business and market structure,but also brought about many new types of financial risks,increasing the hiddenness and contagiousness of risks and making the sources of systemic risks more complex.Changes in risks triggered by the digitalization of finance have challenged established financial regulatory regimes,affected the achievement of financial regulatory objectives and rendered regulatory measures dysfunctional.To effectively regulate the risks of financial digitization,a goal-based regulatory strategy should be adopted to achieve a dynamic balance of multiple regulatory goals,build an institutionalized regulatory coordination mechanism,and enhance the penetration of financial regulation.In addition,new risk factors should be regulated accurately,the market access system should be optimized,and regulatory principles,regulatory rules and technical norms should be applied in an integrated manner to create a new regulatory system for emerging risks.At the same time,a technology-driven regulatory paradigm should be constructed to realize the intelligence and dynamization of regulation.

Key words: financial digitalization, risk regulation, regulatory challenges, regulatory change