A Review of Research on FinTech Regulatory Theory and Regulatory System

Abstract

To systematically understand the current state and development trends of financial technology (fintech) regulation and to achieve scientific and effective regulation, a literature review method was employed to analyze research literature and findings on fintech regulatory theories and systems from both domestic and international perspectives. The study found that both Chinese and international scholars show a diverse and interdisciplinary approach to fintech regulatory theory, covering fields such as law, finance, economics, and information science. International scholars began their research on fintech regulatory theories earlier, forming a comprehensive research system ranging from macro to micro, and from concepts to practices. Chinese scholars, on the other hand, have focused on the particularities and complexities of the Chinese financial market, conducting in-depth research on fintech regulatory theories that suit China's national conditions. In terms of fintech regulatory systems, both Chinese and international scholars primarily focus on fintech regulatory rules, models, mechanisms, and systems, including the legal norms of fintech regulatory systems to ensure comprehensive and effective regulation. The results of this research may provide certain references for the study and development of fintech innovation regulation.