【摘要】 金融科技的创新应用可能引发道德、技术、监管、法律等风险。现有金融科技风险治理存在国家层面的监管不足，社会层面的约束欠缺以及个体层面的保护有限等现象。应完善金融科技监管机制，包括明确监管规则、完善监管内容、创新监管手段，强化行业自律，构建金融机构、金融科技公司与金融消费者权利保护与义务约束制度体系，为金融科技健康发展保驾护航。更多还原

【Abstract】 The innovative application of financial technology may lead to moral,technical, regulatory, legal and other risks. The existing financial technology risk governance has some difficulties, such as inadequate supervision at the national level, insufficient constraints at the social level and limited protection at the individual level. We should improve the financial technology supervision mechanism, including clarifying the supervision rules, improving the supervision contents and innovating the supervision means; strengthen industry self-discipline; build a system of rights protection and obligation restraint for financial institutions, financial technology companies and financial consumers to escort the healthy development of financial technology.更多还原