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By Sun Fei, Research Team on “The Status Quo, Trend and Development Strategy of China’s Financial Technology”, Research Institute of Finance, DRC

Research Report, Special Issue, No.50, 2019 (Total 1678) 2019-7-31

Abstract: China’s FinTech companies were born in the Internet boom, and they have been in the leading position in the world in terms of the scale of revenue, investment and financing and the strength of individual companies. However, at the same time, the development of regulation and supervision is relatively lagging behind, and the establishment of effective regulatory framework for FinTech companies is still in the process of exploration. In terms of the international experience, it is a general trend to incorporate some products and business models of FinTech companies into the traditional financial regulatory framework. Differentiated supervision of FinTech companies is needed based on China’s practice. For big data analysis FinTech companies we need to focus on strengthening information security supervision; for FinTech companies with online lending platform we need to adjust the registration and filing system and supervision mechanism as soon as possible; as for FinTech companies with comprehensive financial service platform, we need to further strengthen penetrating supervision. At the same time, we can learn from the “regulatory sandbox” concept to enhance flexibility of supervision, and encourage FinTech companies to “try and err” and innovate within the scope of laws and regulations so as to promote the sound development of FinTech industry and financial system.

Key words: FinTech companies, differentiated supervision, regulatory sandbox