政大機構典藏-National Chengchi University Institutional Repository(NCCUR):Item 140.119/139705
English  |  正體中文  |  简体中文  |  Post-Print筆數 : 27 |  Items with full text/Total items : 113311/144292 (79%)
Visitors : 50928946      Online Users : 999
RC Version 6.0 © Powered By DSPACE, MIT. Enhanced by NTU Library IR team.
Scope Tips:
  • please add "double quotation mark" for query phrases to get precise results
  • please goto advance search for comprehansive author search
    •  Adv. Search
    Home ‧ Login ‧ Upload ‧ Help ‧ About ‧ Administer Goto mobile version


    Please use this identifier to cite or link to this item: https://nccur.lib.nccu.edu.tw/handle/140.119/139705


    Title: 中國大陸金融科技發展與金融監管的政治經濟分析
    Political and Economic Analysis of China`s Fintech Development and Financial Regulation
    Authors: 蔡中民
    Tsai, Chung-min 
    Contributors: 中國大陸研究
    Keywords: 中國大陸 ; 金融科技 ; 金融監管 ; 中國政治經濟 
    China ; Financial Technology (Fintech) ; Financial Regulation ; Chinese Political Economy
    Date: 2022-03
    Issue Date: 2022-04-11 10:47:44 (UTC+8)
    Abstract: 高科技促進金融活動，大幅提高效率及市場範圍，因此產業結構、運作與管理產生了重大的變化。近年來中國大陸內部行動支付已快速取代傳統的現金支付，其背後的驅動力是金融與科技的結合與發展，為產業帶來破壞式創新，但政府政策與監管卻與產業發展出現矛盾。金融科技（Fintech）乃是必要的變化，國有銀行亦開始與高科技公司合作推動更多元的業務，私人金融科技企業的發展更是驚人，惟中央政府提出相應的規範時，卻導致許多衝突。本文旨在探索為何中國大陸金融科技發展如此迅速？具私有性質的Fintech在國有為主的金融體系中如何發展？兩者間的矛盾又源自何處？本文認為關鍵在於政府的宏觀目標與Fintech企業的微觀方向之差異。本文試圖進而了解社會主義體制中Fintech發展的脈絡，嘗試提出一個政治經濟學的解釋。
    Technological development has facilitated the financial activities and improved market efficiency. Accordingly, the industrial structure, operation, and management in the financial sector have greatly changed. Online payment has developed rapidly and replaced the traditional cash payment. The driving force is the combination and development of finance and technology and the introduction of destructive innovation. Nonetheless, there exists a contradiction between the state regulation and industrial development. For the financial institutions, it is necessary to adopt financial technology (Fintech). The state banks have cooperated with high technology companies and have provided more diverse services. The private sector has also expanded enormously and monopolized the market. Hence, the central authority has announced the corresponding regulations but resulted in conflicts. This article aims to explore why the Fintech sector has quickly evolved in China. How have the private Fintech enterprises survived and become dominate actors in the Chinese state-led financial sector? What has resulted in the contradictory situation? This article argues that the key lies within the gap between the government`s economic policy and goals at the micro-level and the operational objectives of the Fintech companies at the micro-level. It also clarifies the Fintech development within the socialist regime and proposes a political economic analytical framework.
    Relation: 中國大陸研究, 65(1), 1-34
    Data Type: article
    DOI link: https://doi.org/10.30389/MCS.202203_65(1).0001
    DOI: 10.30389/MCS.202203_65(1).0001
    Appears in Collections:[Mainland China Studies] Journal Articles
    [Department of Political Science] Periodical Articles

    Files in This Item:

    File Description SizeFormat
    65-1-1.pdf1834KbAdobe PDF2232View/Open


    All items in 政大典藏 are protected by copyright, with all rights reserved.


    社群 sharing

    著作權政策宣告 Copyright Announcement
    1.本網站之數位內容為國立政治大學所收錄之機構典藏，無償提供學術研究與公眾教育等公益性使用，惟仍請適度，合理使用本網站之內容，以尊重著作權人之權益。商業上之利用，則請先取得著作權人之授權。
    The digital content of this website is part of National Chengchi University Institutional Repository. It provides free access to academic research and public education for non-commercial use. Please utilize it in a proper and reasonable manner and respect the rights of copyright owners. For commercial use, please obtain authorization from the copyright owner in advance.

    2.本網站之製作，已盡力防止侵害著作權人之權益，如仍發現本網站之數位內容有侵害著作權人權益情事者，請權利人通知本網站維護人員(nccur@nccu.edu.tw)，維護人員將立即採取移除該數位著作等補救措施。
    NCCU Institutional Repository is made to protect the interests of copyright owners. If you believe that any material on the website infringes copyright, please contact our staff(nccur@nccu.edu.tw). We will remove the work from the repository and investigate your claim.
    DSpace Software Copyright © 2002-2004  MIT &  Hewlett-Packard  /   Enhanced by   NTU Library IR team Copyright ©   - Feedback