摘要

在大力发展数字经济的背景下,我国的金融科技公司在数量和规模方面不断扩张,成为减少金融排斥、推动新质生产力形成的重要力量.然而金融科技公司的运行始终面临着金融与科技的交织,产生了金融安全、垄断、消费者保护等多方面的法律问题.近年来我国依据"相同业务,相同风险,相同监管"的功能监管理念颁布了多项规制金融科技的法律规范.但单纯依据功能监管理念规制金融科技公司难以应对大型金融科技公司可能产生的系统性风险,不利于垄断问题的规制,难以实现对消费者的特殊保护.因此应引入金融科技公司的类型化规制路径,即依据金融科技公司风险的程度将金融科技公司进行分类监管,这是提高金融科技公司监管有效性、促进我国数字经济发展整体安全的有效路径.; Under the background of vigorous development of the digital economy,fintech companies in China have been expand-ing continuously in number and scale,becoming an important force in reducing financial exclusion and promoting the formation of new quality productive forces.However,the operation of fintech companies is always characterized by the integration of fi-nance and technology,giving rise to various legal issues concerning financial security,monopoly,consumer protection.In recent years,China has enacted a number of laws and regulations governing fintech based on the functional supervision principle of"same business,same risk,same regulation".Nevertheless,relying solely on the functional supervision principle is inadequate for addressing the systemic risks of large fintech companies,curbing monopolistic behavior,or ensuring sufficient consumer pro-tection.Therefore,a typified regulation path for fintech companies should be introduced,namely classified supervision of fintech companies according to their risk level.This approach will enhance the effectiveness of regulation and ensure the overall security of China's digital economy.

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