我国金融科技“监管沙盒”测试项目准入标准制度研究

大理大学学报 ›› 2022, Vol. 7 ›› Issue (11): 17-.

我国金融科技“监管沙盒”测试项目准入标准制度研究

（1.安徽财经大学法学院，安徽蚌埠　233041；2.渤海银行天津分行，天津　300170）

出版日期:2022-11-15 发布日期:2022-12-10
作者简介: 蒋辉宇，教授，博士，主要从事金融法和商法的研究。
基金资助:
国家社会科学基金一般项目（21BFX120）；教育部人文社会科学研究青年基金项目（19YJC820020）；安徽省高校优秀拔尖人才培育资助项目（gxgwfx2019020）

A Research on the Access Standard System of China's Financial Technology "Regulatory Sandbox" Testing Project

（1. Law School， Anhui University of Finance and Economics， Bengbu，Ａnhui 233041 China； 2. Bohai Bank Tianjin Branch，Tianjin 300170，Ｃhina）

Online:2022-11-15 Published:2022-12-10

摘要/Abstract

摘要： ［摘要］金融科技“监管沙盒”测试项目准入标准是监管机构审核相关项目正式入盒测试的条件与资格要求。我国应在借鉴英国、澳大利亚及新加坡等国相关制度经验的基础上，通过制定测试项目准入基本资格条件、以列举式与概括式双重制度规范设计“创新性”准入评判规则、严格把控准入阶段测试项目风险及预先建立测试消费者权益保护规则等方式来构建科学合理的“监管沙盒”测试项目准入标准规则体系。

关键词: ［关键词］监管沙盒, 准入标准制度, 基本资格条件, “创新性”准入评判, 测试风险, 测试消费者权益保护

Abstract:

〔Abstract〕 The access standard of FinTech "regulatory sandbox" testing project is the condition and qualification requirements for the box formal test of relevant projects reviewed by the regulatory authority. On the basis of learning from the relevant institutional experience of the UK， Australia and Singapore， China should formulate the basic qualification conditions for test project access， and design the "innovative" access evaluation rules with the dual system norms of enumeration and generalization， strictly control the test project risk in the access stage， and establish the testing consumer rights and interests protection rules in advance， which will construct a scientific and reasonable "regulatory sandbox" test project access standard rule system for China.

Key words: 〔Key words〕 , regulatory sandbox, , access standard system, , basic qualification conditions, , "innovative" access evaluation, , test risk, , protection of testing consumer rights and interests

蒋辉宇, 芦雯青 .

我国金融科技“监管沙盒”测试项目准入标准制度研究 [J]. 大理大学学报, 2022, 7(11): 17-.

Jiang Huiyu, Lu Wenqing. A Research on the Access Standard System of China's Financial Technology "Regulatory Sandbox" Testing Project[J]. Journal of Dali University, 2022, 7(11): 17-.