暨南学报(哲学社会科学版)

作者：戚红梅

单位：海南大学法学院。

关键词：金融数字化,系统性风险,风险治理,制度挑战,制度建构

基金：国家社会科学基金重大招标项目“数字化背景下国际金融服务的法律治理体系研究”(22&ZD203);海南省哲学社会科学规划课题“海南自贸港打造一流营商环境的制度创新研究”[HNSK(ZX)21-94]。

2008年全球金融危机之后,各国普遍采纳宏观审慎监管制度以不发生系统性金融风险为底限,但金融数字化对这一新生制度形成严重冲击。数字技术、数字科技企业、数字平台和数字基础设施构成数字时代系统性金融风险的新型和主要来源,并能够将损害扩展到金融之外的整个市场和社会。系统性风险的变化对宏观审慎监测制度、宏观审慎监管措施、宏观审慎处置制度以及宏观审慎监管体制形成了全方位的挑战。既有宏观审慎监管制度唯有进行变革才能完成自身救赎。为此,宏观审慎监管制度需要将进入金融业的传统金融机构之外的新型机构纳入约束范围,同时开发出跟踪、监测金融数字化条件下的宏观审慎监测制度,变革宏观审慎监管措施及其实施制度,改革宏观审慎处置制度及宏观审慎监管体制,使之与金融数字化相适应。"/>template{display:none;}.mag-rich-xref-fn { cursor: pointer;}//长视频$(document).ready(function(){if($("#showLongArticleVideo") && $("#showLongArticleVideo").length && $("#showLongArticleVideo").length>0){mag_ajax_update({ele_id:'showLongArticleVideo',url:mag_currentQikanUrl() + "/CN/article/showLongArticleVideo.do?id="+$("#articleId").val()});}});$(document).ready(function(){window.metaData = {"journal":{"issn":"1000-5072","qiKanMingCheng_CN":"暨南学报（哲学社会科学版）","id":2,"qiKanMingCheng_EN":"Jinan Journal"},"fundList_cn":["国家社会科学基金重大招标项目“数字化背景下国际金融服务的法律治理体系研究”(22&ZD203);海南省哲学社会科学规划课题“海南自贸港打造一流营商环境的制度创新研究”[HNSK(ZX)21-94]。"],"article":{"keywordList_cn":["金融数字化","系统性风险","风险治理","制度挑战","制度建构"],"juan":"46","zhaiyao_cn":"2008年全球金融危机之后,各国普遍采纳宏观审慎监管制度以不发生系统性金融风险为底限,但金融数字化对这一新生制度形成严重冲击。数字技术、数字科技企业、数字平台和数字基础设施构成数字时代系统性金融风险的新型和主要来源,并能够将损害扩展到金融之外的整个市场和社会。系统性风险的变化对宏观审慎监测制度、宏观审慎监管措施、宏观审慎处置制度以及宏观审慎监管体制形成了全方位的挑战。既有宏观审慎监管制度唯有进行变革才能完成自身救赎。为此,宏观审慎监管制度需要将进入金融业的传统金融机构之外的新型机构纳入约束范围,同时开发出跟踪、监测金融数字化条件下的宏观审慎监测制度,变革宏观审慎监管措施及其实施制度,改革宏观审慎处置制度及宏观审慎监管体制,使之与金融数字化相适应。","endNoteUrl_en":"https://jnxb.jnu.edu.cn/skb/EN/article/getTxtFile.do?fileType=EndNote&id=7025","reference":"","bibtexUrl_cn":"https://jnxb.jnu.edu.cn/skb/CN/article/getTxtFile.do?fileType=BibTeX&id=7025","abstractUrl_en":"https://jnxb.jnu.edu.cn/skb/EN/10.11778/j.jnxb.20231804","qi":"7","id":7025,"nian":2024,"bianHao":"1725436209741-1565750808","zuoZheEn_L":"QI Hongmei","juanUrl_en":"https://jnxb.jnu.edu.cn/skb/EN/Y2024","shouCiFaBuRiQi":"2024-09-04","qiShiYe":"61","qiUrl_cn":"https://jnxb.jnu.edu.cn/skb/CN/Y2024/V46/I7","lanMu_cn":"数字法治","pdfSize":"761","zuoZhe_CN":"戚红梅","risUrl_cn":"https://jnxb.jnu.edu.cn/skb/CN/article/getTxtFile.do?fileType=Ris&id=7025","title_cn":"数字化条件下系统性金融风险治理的制度挑战与建构","doi":"10.11778/j.jnxb.20231804","jieShuYe":"74","keywordList_en":["financial digitalization","systemic risks","risk management","institutional challenges","institutional reconstruction"],"endNoteUrl_cn":"https://jnxb.jnu.edu.cn/skb/CN/article/getTxtFile.do?fileType=EndNote&id=7025","zhaiyao_en":"After the 2008 global financial crisis, countries have adopted macroprudential regulatory systems, aimed at preventing systemic financial risks and avoiding the transmission of operational risks from financial institutions to the broader financial system and the real economy. 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来源：2024年第7期

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