{"id":7950,"date":"2021-05-06T10:00:55","date_gmt":"2021-05-06T02:00:55","guid":{"rendered":"https:\/\/www.bschool.cuhk.edu.hk\/chi\/?p=7950"},"modified":"2025-11-04T17:51:36","modified_gmt":"2025-11-04T09:51:36","slug":"fintech-friend-or-foe-to-financial-stability-tc","status":"publish","type":"post","link":"https:\/\/www.bschool.cuhk.edu.hk\/chi\/fintech-friend-or-foe-to-financial-stability-tc\/","title":{"rendered":"\u662f\u6575\u662f\u53cb\uff1f\u91d1\u878d\u79d1\u6280\u5c0d\u91d1\u878d\u6a5f\u69cb\u7a69\u5b9a\u6027\u7684\u5f71\u97ff"},"content":{"rendered":"<h2>\u4ec0\u9ebc\u662f\u91d1\u878d\u79d1\u6280\uff1f<\/h2>\n<p>\u91d1\u878d\u79d1\u6280\uff0c\u53c8\u7a31\u4f5cFinTech\uff0c\u8fd1\u5e74\u767c\u5c55\u8fc5\u901f\uff0c\u6539\u8b8a\u4e86\u4eba\u5011\u4f7f\u7528\u91d1\u878d\u670d\u52d9\u7684\u65b9\u5f0f\u3002\u4e00\u65b9\u9762\uff0c\u9280\u884c\u670d\u52d9\u81ea\u52d5\u5316\u65e5\u76ca\u666e\u53ca\uff0c\u70ba\u6d88\u8cbb\u8005\u5e36\u4f86\u4e86\u66f4\u5927\u7684\u4fbf\u5229\uff1b\u53e6\u4e00\u65b9\u9762\uff0c\u4e00\u4e9b\u91d1\u878d\u79d1\u6280\u61c9\u7528\u4f8b\u5b50\u5982\u52a0\u5bc6\u8ca8\u5e63\u3001\u9ad8\u983b\u53ca\u7a0b\u5f0f\u4ea4\u6613\u7b49\u65b0\u6280\u8853\u7684\u51fa\u73fe\uff0c\u4ee5\u53ca\u6578\u78bc\u9322\u5305\u3001\u9ede\u5c0d\u9ede\uff08P2P\uff09\u7db2\u7d61\u8cb8\u6b3e\u7684\u8208\u8d77\uff0c\u90fd\u662f\u91d1\u878d\u79d1\u6280\u5c0d\u50b3\u7d71\u91d1\u878d\u670d\u52d9\u4f9b\u61c9\u5546\u5728\u67d0\u7a0b\u5ea6\u4e0a\u5e36\u4f86\u65b0\u6311\u6230\u7684\u4f8b\u5b50\u3002\u91d1\u878d\u79d1\u6280\u985b\u8986\u5e38\u898f\uff0c\u4fc3\u4f7f\u4e00\u7fa4\u7814\u7a76\u4eba\u54e1\u5617\u8a66\u4ed4\u7d30\u4e86\u89e3\u5176\u5c0d\u50b3\u7d71\u91d1\u878d\u6a5f\u69cb\u7a69\u5b9a\u60c5\u6cc1\u7684\u5f71\u97ff\u3002\u4ed6\u5011\u767c\u73fe\uff0c\u9019\u7a2e\u5f71\u97ff\u5f88\u5927\u7a0b\u5ea6\u4e0a\u53d6\u6c7a\u65bc\u5e02\u5834\u3002<\/p>\n<p>\u91d1\u878d\u6a5f\u69cb\u7684\u7a69\u5b9a\u60c5\u6cc1\u901a\u5e38\u662f\u6307\u9019\u4e9b\u6a5f\u69cb\uff0c\u5982\u9280\u884c\u3001\u7d93\u7d00\u516c\u53f8\u6216\u5132\u84c4\u4e92\u52a9\u793e\uff0c\u5728\u6c92\u6709\u653f\u5e9c\u7b49\u5916\u90e8\u529b\u91cf\u5354\u52a9\u4e0b\uff0c\u57f7\u884c\u8ca1\u91d1\u4ea4\u6613\u6216\u5176\u4ed6\u4e2d\u4ecb\u5de5\u4f5c\u7684\u80fd\u529b\u3002\u91d1\u878d\u79d1\u6280\u80cc\u5f8c\u7684\u627f\u8afe\u662f\uff0c\u5b83\u5c07\u5e6b\u52a9\u91d1\u878d\u6a5f\u69cb\u63d0\u9ad8\u900f\u660e\u5ea6\u548c\u6548\u7387\uff0c\u4e26\u4ee4\u670d\u52d9\u8b8a\u5f97\u66f4\u65b9\u4fbf\u5ba2\u6236\u4f7f\u7528\u3002\u5176\u4e2d\u4e00\u500b\u91d1\u878d\u79d1\u6280\u4f8b\u5b50\u5c31\u662f\u6d41\u52d5\u7406\u8ca1\uff0c\u8b93\u6d88\u8cbb\u8005\u7121\u9700\u524d\u5f80\u9280\u884c\u6216\u8207\u9280\u884c\u8077\u54e1\u4ea4\u6d89\uff0c\u4fbf\u80fd\u5920\u9032\u884c\u65e5\u5e38\u7684\u8ca1\u52d9\u6d3b\u52d5\uff0c\u5982\u8f49\u8cec\u6216\u652f\u4ed8\u8cec\u55ae\u3002<\/p>\n<p>\u5728\u7f3a\u9ede\u65b9\u9762\uff0c\u91d1\u878d\u79d1\u6280\u53ef\u4ee4\u91d1\u878d\u5e02\u5834\u8b8a\u5f97\u8f03\u4e0d\u7a69\u5b9a\u3001\u4f7f\u91d1\u878d\u9ad4\u7cfb\u8b8a\u5f97\u66f4\u8106\u5f31\u3002\u4f8b\u5982\uff0c\u91d1\u878d\u79d1\u6280\u4f7f\u9280\u884c\u56e0\u61c9\u91d1\u878d\u5e02\u5834\u8868\u73fe\u800c\u5728\u540c\u696d\u4e4b\u9593\u6240\u4f5c\u7684\u73fe\u91d1\u8f49\u79fb\u8b8a\u5f97\u53c8\u5feb\u53c8\u5bb9\u6613\uff0c\u9019\u6216\u6703\u589e\u52a0\u5e02\u5834\u7684\u6ce2\u52d5\u6027\u3002\u53e6\u5916\uff0c\u91d1\u878d\u79d1\u6280\u7684\u61c9\u7528\u975e\u5e38\u4f9d\u8cf4\u7b2c\u4e09\u65b9\u670d\u52d9\u4f9b\u61c9\u5546\uff0c\u9019\u4e5f\u53ef\u80fd\u70ba\u91d1\u878d\u6a5f\u69cb\u5e36\u4f86\u7cfb\u7d71\u6027\u98a8\u96aa\u3002\u6700\u5f8c\uff0c\u7db2\u4e0a\u8cb8\u6b3e\u5e73\u53f0\u901a\u5e38\u7121\u6cd5\u5c0d\u8cb8\u6b3e\u4eba\u9032\u884c\u6709\u6548\u7684\u4fe1\u8cb8\u5be9\u67e5\uff0c\u53ef\u56e0\u800c\u5c0e\u81f4\u66f4\u9ad8\u7684\u9055\u7d04\u98a8\u96aa\u3002<\/p>\n<h2>\u5167\u5730\u7684\u91d1\u878d\u79d1\u6280\u76e3\u7ba1<\/h2>\n<p>\u5176\u4e2d\u4e00\u500b\u95dc\u65bc\u5167\u5730\u91d1\u878d\u79d1\u6280\u4f8b\u5b50\uff0c\u5c31\u662f\u66fe\u7d93\u70ba\u5168\u7403\u898f\u6a21\u6700\u5927\u7684\u4e2d\u570bP2P\u7db2\u8cb8\u884c\u696d\uff0c\u5728\u77ed\u77ed\u5e7e\u5e74\u9593\u5fb9\u5e95\u5d29\u6f70\u3002\u6b3a\u8a50\u3001\u9055\u7d04\uff0c\u751a\u81f3\u61f7\u7591\u6709\u9f90\u6c0f\u9a19\u5c40\u4f7f\u8a31\u591a\u4e2d\u570bP2P\u7db2\u8cb8\u5e73\u53f0\u7126\u982d\u721b\u984d\uff0c\u6700\u7d42\u5c0e\u81f4\u653f\u5e9c\u51fa\u624b\u6574\u9813\u3002\u5b98\u65b9\u5a92\u9ad4<a href=\"http:\/\/www.xinhuanet.com\/fortune\/2020-09\/03\/c_1126446187.htm\" target=\"_blank\" rel=\"noopener\">\u65b0\u83ef\u793e\u5831\u9053<\/a>\uff0c\u4e2d\u570b\u4eba\u6c11\u9280\u884c\u526f\u884c\u9577<a href=\"http:\/\/www.gov.cn\/xinwen\/2021-01\/15\/content_5580224.htm\" target=\"_blank\" 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href=\"https:\/\/www.bschool.cuhk.edu.hk\/staff\/yeh-jason-j-h\/\" target=\"_blank\" rel=\"noopener\">\u8449\u5bb6\u8208<\/a>\u8868\u793a\uff1a\u300c\u6709\u5149\u7684\u5730\u65b9\u5c31\u6709\u5f71\u5b50\uff0c\u57fa\u65bc\u79d1\u6280\u985b\u8986\u6027\u7684\u672c\u8cea\uff0c\u91d1\u878d\u79d1\u6280\u7684\u5d1b\u8d77\u5fc5\u7136\u6703\u5c0d\u50b3\u7d71\u91d1\u878d\u6a5f\u69cb\u5e36\u4f86\u885d\u64ca\u3002\u6211\u5011\u767c\u73fe\u91d1\u878d\u79d1\u6280\u7684\u5149\u660e\u8207\u9670\u6697\u9762\u4f3c\u4e4e\u4e92\u76f8\u62b5\u6d88\uff0c\u800c\u91d1\u878d\u79d1\u6280\u7684\u61c9\u7528\u672a\u5fc5\u6703\u4f7f\u91d1\u878d\u6a5f\u69cb\u8b8a\u5f97\u66f4\u8106\u5f31\uff0c\u9019\u662f\u9817\u5408\u7406\u7684\u3002\u300d<\/p>\n<p>\u8449\u6559\u6388\u8207\u9999\u6e2f\u6052\u751f\u5927\u5b78\u52a9\u7406\u6559\u6388\u99ae\u7a4e\u5eb7\u3001\u526f\u6559\u6388\u674e\u7a4e\u6b23\u53ca\u8881\u98db\u9f8d\u5408\u4f5c\u9032\u884c\u7814\u7a76\uff0c\u984c\u70ba\u300a<a href=\"https:\/\/www.sciencedirect.com\/science\/article\/pii\/S1566014120301072\" target=\"_blank\" rel=\"noopener\">\u670b\u53cb\u6216\u6575\u4eba\uff1a\u91d1\u878d\u79d1\u6280\u5c0d\u91d1\u878d\u7a69\u5b9a\u7684\u4e0d\u540c\u5f71\u97ff<\/a>\u300b\u3002<\/p>\n<p>\u70ba\u4e86\u7814\u7a76\u91d1\u878d\u79d1\u6280\u7684\u8208\u8d77\u5c0d\u91d1\u878d\u6a5f\u69cb\u7a69\u5b9a\u6027\u7684\u5f71\u97ff\uff0c\u7814\u7a76\u4eba\u54e1\u6aa2\u8996\u4e86\u91d1\u878d\u79d1\u6280\u76e3\u7ba1\u6c99\u76d2\u7684\u8a2d\u7acb\u3002\u91d1\u878d\u79d1\u6280\u76e3\u7ba1\u6c99\u76d2\uff0c\u662f\u91d1\u878d\u76e3\u7ba1\u6a5f\u69cb\u5141\u8a31\u4f01\u696d\uff08\u5728\u53d7\u9650\u5236\u7684\u76e3\u7ba1\u74b0\u5883\u4e0b\uff09\u5617\u8a66\u73fe\u884c\u6cd5\u4f8b\u4e0d\u6db5\u84cb\u6216\u4e0d\u5141\u8a31\u7684\u65b0\u5546\u696d\u6a21\u5f0f\u3001\u7522\u54c1\u6216\u670d\u52d9\u7684\u4e00\u7a2e\u65b9\u6cd5\u3002\u9996\u500b\u76e3\u7ba1\u6c99\u76d2\u65bc2016\u5e74\u5728\u82f1\u570b\u63a8\u884c\uff0c\u6839\u64da<a href=\"https:\/\/blogs.worldbank.org\/psd\/four-years-and-counting-what-weve-learned-regulatory-sandboxes#:~:text=The%20research%20covers%20the%20challenges,first%20half%20of%202020%20alone!\" target=\"_blank\" rel=\"noopener\">\u4e16\u754c\u9280\u884c<\/a>\u7684\u6578\u64da\uff0c\u81ea\u90a3\u6642\u8d77\uff0c\u5168\u7403\u670957\u500b\u570b\u5bb6\u5df2\u6210\u7acb\u4e86\u517173\u500b\u985e\u4f3c\u7684\u65b9\u6848\u3002<\/p>\n<p style=\"line-height: 100%;\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-6216 size-full\" src=\"https:\/\/cbk.bschool.cuhk.edu.hk\/wp-content\/uploads\/iStock-916679396.jpg\" alt=\"\" width=\"1254\" height=\"836\" \/><span style=\"font-size: 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style=\"line-height: 100%;\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-6217 size-full\" src=\"https:\/\/cbk.bschool.cuhk.edu.hk\/wp-content\/uploads\/iStock-1154631568.jpg\" alt=\"\" width=\"1226\" height=\"855\" \/><span style=\"font-size: 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W.H. Fung, Wing Yan Lee, Jason J.H. Yeh and Fei Lung Yuen. <a href=\"https:\/\/doi.org\/10.1016\/j.ememar.2020.100727\" target=\"_blank\" rel=\"noopener\">Friend or foe: The divergent effects of FinTech on financial stability<\/a>. <em>Emerging Markets Review<\/em>, Volume 45, December 2020, 100727<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u7814\u7a76\u767c\u73fe\uff0c\u91d1\u878d\u79d1\u6280\u9769\u65b0\u80fd\u52a0\u5f37\u91d1\u878d\u6a5f\u69cb\u5728\u65b0\u8208\u5e02\u5834\u4e2d\u7684\u7a69\u5b9a\u60c5\u6cc1\uff0c\u751a\u81f3\u63d0\u9ad8\u5b83\u5011\u7684\u76c8\u5229\u3002\u4f46\u662f\uff0c\u91d1\u878d\u79d1\u6280\u662f\u5426\u70ba\u4f01\u696d\u5e36\u4f86\u76c8\u5229\u548c\u70ba\u793e\u6703\u5e36\u4f86\u4fbf\u5229\uff0c\u537b\u8981\u5f9e\u591a\u65b9\u9762\u4e86\u89e3\u91d1\u878d\u79d1\u6280\u5c0d\u91d1\u878d\u6a5f\u69cb\u7a69\u5b9a\u6027\u7684\u5f71\u97ff\uff0c\u4ee5\u53ca\u5982\u4f55\u6709\u6548\u76e3\u7ba1\u91d1\u878d\u79d1\u6280\u3002<\/p>\n","protected":false},"author":1,"featured_media":7953,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[407],"tags":[],"elevels":[],"features":[],"departments":[421],"class_list":["post-7950","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-china-business-knowledge","departments-finance"],"acf":{"contributors":[],"paper":""},"yoast_head":"<!-- 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