当代经济管理2025，Vol.47Issue(10)：77-85,9.DOI:10.13253/j.cnki.ddjjgl.2025.10.009
规划推动下的中国金融科技治理:发展过程、运作机制与基本逻辑
Planning-driven Fintech Governance in China:Development Process,Operation Mechanism and Basic Logic
摘要
Abstract
Promoting fintech governance through planning is a strategic,forward-looking and guiding fintech governance model with Chinese character-istics.Since 2015,the People's Bank of China(PBC)has taken the lead in promulgating and implementing four national fintech development plans,gradually forming a fintech planning governance system that balances financial development with risk prevention,coordinates the interests of the central and the local governments,and emphasizes cooperation between the government and the enterprises.In practice,China's financial technology planning governance has developed four major operational mechanisms:division of labor between the central and the local governments,government guidance,balance between"development and stability",and planning evaluation.It follows the logic of hierarchy,the logic of technology,the logic of law,and the logic of ethics,and determines the timetable,road map and priority sequence of the governance of financial technology.China's financial technolo-gy planning governance should be integrated with the Financial Law and the Financial Stability Law to form a rule-of-law-based planning governance paradigm,contributing to the realization of the goal of building a strong financial nation.关键词
金融科技/发展规划/规划治理/金融监管/金融风险Key words
fintech/development planning/planning governance/financial regulation/financial risk分类
管理科学引用本文复制引用
唐士亚..规划推动下的中国金融科技治理:发展过程、运作机制与基本逻辑[J].当代经济管理,2025,47(10):77-85,9.基金项目
教育部人文社会科学研究规划基金项目"金融科技的软法治理及其协同问题研究"(23YJA820026). （23YJA820026）
