摘要
金融法制定背景下,数字金融的立法规范和入法安排是金融立法的重要内容。数字金融的创新性、跨领域性、风险复杂性对立法的稳定性、统一性和科学性造成挑战,使得数字金融的立法需要具备更强的体系性、延展性和适应性。应当提炼包容审慎、透明度、实质创新作为数字金融立法的基本原则,锚定市场主体管理、行为规范治理、监管体系统筹作为数字金融立法的基础制度,以风险预防、风险监测、风险处置作为数字金融全生命周期风险规制的规则体系,遵循“原则—制度—规则”的入法路径,实现数字金融立法的系统性。在数字金融入法的体例安排上,应当采取拆分入法而非专章入法的模式,明确数字金融基本原则、基础制度、规则内容在“金融法”中的体系定位,并考虑数字金融相关规范在金融单行法中的融入问题,最终形成体系性的数字金融立法。
In the context of China’s efforts to enact its Financial Law,establishing legislative norms for digital finance constitutes an essential component of financial legislation.The innovative,cross-sectoral,and risk-complex nature of digital finance poses challenges to the stability,uniformity,and scientificity of legislation,making it necessary for digital finance legislation to be more systematic,extensible,and adaptable.Furthermore,the legislation should adopt inclusiveness with prudence,transparency,and substantive innovation as fundamental principles;anchor market entity governance,conduct regulation,and regulatory system coordination as core institutional foundations;and implement risk prevention,risk monitoring,and risk resolution as the regulatory framework for full life-cycle risk management in digital finance by following the legislative path of“principles-institutions-rules”,systematic digital finance legislation can be achieved.As for the structural arrangement for incorporating digital finance into law,relevant provisions concerning digital finance should be distributed across relevant sections of legislation rather than consolidated in dedicated chapters.This involves defining the systemic positioning of digital finance’s basic principles,core institutions,and regulatory content within the Financial Law,integrating digital finance norms into sector-specific financial laws,and ultimately establishing a cohesive digital finance law system.
作者
鄢浩宇
袁康
YAN Haoyu;YUAN Kang(School of Law,Wuhan University,Wuhan 430072,China)
出处
《西南政法大学学报》
2025年第4期59-73,共15页
Journal of Southwest University of Political Science and Law
基金
国家社科基金重大项目“我国资本市场制度型开放的法律体系构建研究”(22&ZD204)
中国法学会证券法学研究会课题“制定金融法中数字金融的立法研究”(2024ZQFY001A-3)。
关键词
数字金融
制定金融法
金融监管
金融立法
金融风险
digital finance
enactment of Financial Law
financial regulation
financial legislation
financial risks
