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Intelligent innovative regulatory tools on financial technology:concept,platform framework,and prospects
- Chinese Journal of Intelligent Science and Technology Vol. 2, Issue 3, Pages: 214-226(2020)
- 作者机构：
1. 中国银联股份有限公司，上海 201201
2. 同济大学电子与信息工程学院，上海 200092
3. 复旦大学计算机科学技术学院，上海 200433
4. 中国科学院自动化研究所复杂系统管理与控制国家重点实验室，北京 100190
- 作者简介：
- 基金信息：
DOI：10.11959/j.issn.2096-6652.202024
CLC： F832-
Published Online：2020-09，
Published：20 September 2020
- 稿件说明：
移动端阅览
Hongfeng CHAI, Shuai WANG, Xiaojun TU, et al. Intelligent innovative regulatory tools on financial technology:concept,platform framework,and prospects[J]. Chinese journal of intelligent science and technology, 2020, 2(3): 214-226.
Hongfeng CHAI, Shuai WANG, Xiaojun TU, et al. Intelligent innovative regulatory tools on financial technology:concept,platform framework,and prospects[J]. Chinese journal of intelligent science and technology, 2020, 2(3): 214-226. DOI： 10.11959/j.issn.2096-6652.202024.
摘要
针对金融科技监管面临的复杂严峻挑战以及现有“监管沙箱”高度依赖人工操作的局面，指出中国“金融科技创新监管工具”的重要特色和发展趋势在于“智能化”。提出一套系统的“智能化金融科技创新监管工具”平台框架，即利用科技手段实现对金融科技创新应用的全生命周期监管。详细阐述了智能化金融科技创新监管工具的组成要素，包括区块链底层、舆情监测平台、基于知识图谱的可解释性人工智能等，并对其中涉及的关键技术进行说明。介绍了该创新监管工具工程开发时采用的新型迭代方法论——“螺旋形”开发模式和需求层次驱动的迭代设计。最后，对智能化创新监管工具提出若干思考与展望，指出该监管工具将创造一套监管科技基础设施，服务于监管部门和广大金融机构。
Abstract
In view of the complex and severe challenges faced by financial technology regulation and the lag behind situation of the existing regulatory sandbox which is highly dependent on manual operation
the important feature and development trend of the Chinese “innovative regulatory tools on financial technology” lie in “intelligence” were pointed out.A systematic platform framework of “intelligent innovative regulatory tools on financial technology” was proposed
that is
use modern means of science and technology to realize the full life cycle supervision of financial technology innovative applications.The elements of innovative regulatory tools were elaborated
including the underlying blockchain
public opinion monitoring platform
explainable artificial intelligence based on knowledge graphs
and presented the key technologies involved.The new iterative methodology used in the development of the innovative regulatory tools platform was introduced
i.e.
the spiral development model and iterative design driven by the hierarchy of needs.Towards the end
some thoughts and prospects on the proposed innovative regulatory tools were put forward
and the regulatory tools are expected to create a set of regulatory technology infrastructure to serve regulatory authorities and financial institutions were pointed out.
关键词
Keywords
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