本科论文摘 要在金融科技不断进步和发展的形势下，许多新的金融形态应运而生。与此同时，各种跨境、跨行业的金融产品层出不穷，不过在其发展过程中也产生了各种金融风险。如何正确应对金融科技带来的新的监管挑战，也逐渐引起了世界各国金融监管机构的关注。由于我国单一化的金融业监管、金融科技自身的特点以及我国现行法律法规的滞后性，现行的监管模式并不能完全遏制金融犯罪。在现实社会中，第三方支付机构的监管机制不完善，“洗黑钱”、“套现”等风险也依然存在。在目前的金融科技的监管当中，监督主体虽然明确，但在实际的监督活动中，“真空监督”的现象也时有发生。在金融科技的不断进步之下，传统金融正逐渐向无国界金融发展。所以，如何保证我国金融科技创新能力继续走在世界前列，并根据金融科技自身特点构建一个适时有效监管模式，是目前我国金融科技发展的最大瓶颈。各国应当加强金融科技监管合作，用科技监管科技，从而解决金融科技监管的滞后问题。关键词：金融科技，监管，措施 本科论文AbstractWith the continuous progress and development of fin-tech, many new financial forms emerge at the right moment. At the same time, a variety of cross-border and cross-industry financial products emerge in an endless stream, but they also generate a variety of financial risks in the process of development. How to properly deal with the new regulatory challenges brought by fin-tech has gradually attracted the attention of financial regulators around the world. This paper holds that, due to the unitary supervision of financial industry, the characteristics of fin-tech itself and the lag of current laws and regulations in China, the current supervision mode in China cannot completely curb financial crimes. In the real society, the supervision mechanism of third-party payment institutions is not perfect, and risks such as "money laundering" and "cash out" still exist. In the current supervision of fin-tech, although the supervision subject is clear, in the actual supervision activities,...
