In recent years，With the rapid development and wide application of information technology，Information technology with the Internet as the core has deeply penetrated into government affairs、Minsheng、The real economy and other fields，and formed a "digital economy" that affects far -reaching。The digital economy is bringing new industries to the industry、New format、At the same time of new kinetic energy，It also brought a new change to the financial industry，The most significant feature is big data、Artificial Intelligence、Blockchain、Wide application of fintech such as cloud computing，It is changing the business process of the traditional financial industry、Customer service method and financial regulatory mode，It brings great convenience to the people participating in modern financial activities，But it has also brought many challenges to modern financial supervision。Traditional financial supervision is often neglected to introduce cutting -edge technology，and the financial businesses involved in fintech generally have high risk and widely involved features，The subject and object of financial supervision、Methods and methods of financial supervision、The effectiveness and evaluation of financial supervision and evaluation have undergone tremendous changes，Unexpectedly need to establish a new regulatory concept、Regulatory mode and tools，To comprehensively improve the level of regulatory supervision of digital finance in my country。

The field of digital financial supervision needs to be improved。Financial legislation and financial intelligence science and technology supervision, the more complete，The more comprehensive protection Bet365 lotto review of financial consumers' rights and interests。The more stable the financial and social environment, the more stable，The more obvious the effect of the financial policy。Establishment of the State Council Financial Stability Development Committee in 2017，After the merger of the Banking Regulatory Commission and the Insurance Regulatory Commission in 2018，At present, my country has formed the State Council's Financial Stability Development Committee、People's Bank of China、The "one committee, one party, two sessions" composed of the Bank of China Insurance Supervision and Administration Committee and the China Securities Regulatory Commission。In the blockchain、Modern digital finance services such as mobile payment and network finance rapidly develop today，my country's supervision of digital finance is mainly reflected in payment、Investment、cryptocurrency and foreign exchange based on the supervision of gold transactions such as gold，The application system for the payment license license has been adopted、Concentrated large -scale redemption amount of fund products and control of funds source control、Through the newly established state -owned settlement institution -Netlina Clearance Co., Ltd. limited the funds of digital financial enterprises、Strict control of token financing and foreign exchange trading according to a series of measures to achieve rationalized supervision of this emerging financial field。

Specifically，Digital financial supervision in my country faces the following three challenges: first，Digital Financial Business Information Supervision Tips Science and Technology Challenge。The inquiry of my country's financial business information mainly depends on the financial institutions to provide themselves on their business venues or websites，Some financial institutions have not provided some illegal business in private。Financial consumers are bet365 live casino games not convenient、Quick、Reliable official inquiries，I don’t know if the information I receive is true and reliable，but just rely on the one -sided trust of the personnel introduction personnel，or the blind expectations of the high interest return generated by the business itself and accepted the financial business in a hastily。2，Traditional compliance regulatory technical means of financial institutions need to be transformed urgently。Traditional manual account check method，Single regulatory agency can only obtain information on a certain section of the financial service chain，Unable to obtain a complete full -chain information，Insufficient supervision capabilities for fintech business，Low supervision method efficiency、Strong lag、Data is easily tampered with forged falsification，The hidden dangers of financial risks can only be after the incident，can be discovered by the regulatory authorities。third，Make a challenge to establish a precise credit asset quality monitoring and early warning mechanism。Current，my country's existence of credit funds or mortgagers in real -time monitoring in real -time monitoring is not enough。How to solve real -time monitoring of credit assets after loan，Prevent borrower from avoiding supervision、The lender of the financial institution assists to evade supervision，These are issues that need to be solved at present。

Improving countermeasures for digital financial supervision in my country。Promote financial supervision to adapt to the general trend of social development，Big data should be used、Cloud computing and other intelligent technology supervision methods，Identify the hidden dangers of risks and take measures in time，Realize efficient and precise supervision，Precision monitoring financial risks，Strike financial illegal crimes，Implementing precise financial supply，Guarantee the steady development of China's financial economy。Bet365 lotto review With modern intelligent technology，Accelerate digital finance legislation，Enhance the supervision of the financial institutions and afterwards。

Establish a national compliance financial operator's main credit information publicity and query system。Financial service subjects required to obtain legal financial business qualifications across the country，Publicize your own basic information in this system。The main contents of publicity include business types、Product types、Business personnel and related qualifications、relevant administrative punishment information, etc.。Use the big data platform to achieve unified publicity and transparent supervision of the financial service information of this type of business entity，and provide online inquiry supervision functions，Realize the business information of financial operators transparent and open，Financial fraud caused by preventing illegal business behavior。For example，illegally absorb public deposits、Distribution of loans、illegal foreign exchange trading and illegal business financial violations。

Establish all financial management main data information storage and monitoring systems。First，Registration registration and online regular inspection supervision of important businesses，Increase important business supervision of private financial institutions into the system monitoring platform，Set up important business filing list，Requires all financial management entities to register online in time on the business in the list。Added management inspectors to the system platform according to the administrative area，Classification of the system to realize the daily new business of the system to realize the compliance verification of regular verification and business development of the business。Auxiliary banking and external business monitoring through online data assistance，and according to the corresponding scope bet365 live casino games of the responsibilities of the corresponding inspector in accordance with the administrative area，The responsibility is clear，Realize efficient and precise supervision。Next，Regularly upload and online real -time supervision of important business indicators of financial operations。Incorporate private financial institutions into the big data system monitoring platform，Intelligent monitoring of data information of various important business indicators of financial operations subject accounts，Classified monitoring according to various businesses。

Big data monitoring platform for all financial institution account funds，It can effectively monitor the situation of Yinxin cooperation，When a bank has a large amount of capital outflow，At the same time, when the trust institution has a large amount of funds inflow，When the flowing outflow time is in line with，can be analyzed through the big data platform，Real -time monitoring financial institutions to prevent them from avoiding national supervision through silver letter cooperation、Loans illegally issued loans，Supervise the capital flow of financial institutions with high -tech monitoring means，Avoid the generation and development of "Shadow Bank"。Based on the business report data of state -owned controlling financial institutions for reference，Focus on monitoring the business statement data of financial institutions under the private financial holding group，Forecast and control the potential financial risks of private financial holding groups。

Strengthen the quality monitoring of credit assets of financial institutions，Improve the monitoring and early warning mechanism。Use big data、Intelligent technical means such as cloud computing establishment of data monitoring and data analysis and early warning platform for financial institutions' credit asset quality monitoring and early warning，For the amount of credit assets and its loan repayment period for financial institutions Bet365 app download nationwide、Overdue situation、Use of funds after loan、Details of the use of special accounts after loan、Purchasing and selling contract、Payment voucher information，and the credit status of the borrower、Real -time data tracking of credit situation，Classified data monitoring and management of borrowers。First，Requires all mortgage borrowers to put their mortgage -related information (including the use of mortgages、Change of ownership、Metappeering ability changes, etc.) Uploaded to financial institutions credit asset quality monitoring and early warning platform，Realize the transparent information of mortgage information，The financial information of the mortgage borrower can be checked by transparent information，When major changes in the mortgage information or major changes in financial information of mortgagers may affect the quality of credit assets，Systems issue early warning prompts to financial institutions lenders。2，Require credit information data of credit borrowers upload the platform，Based on the information of the credit borrower in the central bank's credit reporting system at the same time，Update the latest personal credit data of credit borrowers。When the information and data of the credit borrower in the central bank's credit reporting system, major changes may affect the quality of credit assets，Systems issue early warning prompts to financial institutions lenders。third，Requires all financial institutions borrowers to put information about credit assets (including the use of funds after loan、Details of the use of special accounts after loan、Purchasing and selling contract、Payment Vouchers and other information) Uploaded to the quality monitoring and warning platform of credit asset quality monitoring of credit assets，Information can be checked by information after realizing credit assets。When major changes in the information information after loan may affect the quality of credit assets or the illegal bet365 best casino games use of the funds after loan，The system can issue early warning prompts to financial institution lender。

(The author is a professor at the Confucian College/Economics College of Fujian Normal University)