前言

《中国金融监管报告（2017)》作为中国社会科学院金融法律与金融监管研究基地的系列年度报告，秉承“记载事实”、“客观评论”以及“金融和法律交叉研究”的理念，系统、全面、集中、持续地反映中国金融监管体系的现状、发展和改革历程，为金融机构经营决策提供参考，为金融理论工作者提供素材，为金融监管当局制定政策提供依据。

《中国金融监管报告（2017)》主要由“总报告”、“分报告”和“专题研究”三部分组成。“总报告”部分包括两篇：第一篇为“金融科技的发展与监管”，在回顾金融科技的发展历程基础上，对金融科技的典型表现及其对金融体系的影响进行了详细的分析，并在总结我国监管现状以及金融科技监管的国际经验基础上，提出了完善金融科技监管的政策建议；第二篇为“中国金融监管：2016年重大事件述评”，对2016年度中国金融监管发生的重大事件进行系统总结、分析和评论，并对2017年中国金融监管发展态势进行预测。“分报告”为分行业的监管年度报告，具体剖析了2016年度中国银行业、证券业、保险业、信托业以及外汇领域监管的年度进展，呈现给读者一幅中国金融监管全景路线图。“专题研究”部分是对当前中国金融监管领域重大问题的深度分析，主要涉及商业银行表外业务监管、交叉金融产品监管、保价业务监管、区块链金融监管、支付清算行业监管、信用违约互换监管、程序化交易监管等方面。

《中国金融监管报告（2017)》由胡滨担任主编，负责报告的组织、撰写和审定工作；尹振涛和郑联盛担任副主编，负责报告的统编和撰写工作；感谢社会科学文献出版社的周丽、挥薇、王楠楠老师，以及为本书赐稿的所有专家和学者。中国社会科学院金融监管与金融法律研究基地期待以《中国金融监管报告》为媒介和平台，与学术界、实业界以及政策界等进行全方位的合作和交流，致力于共同推动中国金融监管改革与发展。

Preface

As the annual report of the Research Center for Financial Laws and Regulations(FLR）,Annual Report on China's Financial Supervision and Regulation (2017)seeks to reflect the current status, development and reform progress of China's financial supervision and regulation in a systematic, comprehensive, persistent and authoritative manner. With the philosophy of “factually recording, objectively reviewing, and comprehensively analyzing", we hope this report can provide reliable and useful references for financial institutions, academic researchers, and regulatory authorities.

The Report 2017 consists of three parts: General Reports, Sub-reports, and Special Topics. The first of the general reports is Development and Regulation of FinTech in China which discusses the development of FinTech, as well as the potential financial risks and regulatory policies. The second general report is Financial Supervision of China: Significant Events in 2016, which surveys the major reform and policy issues of China's financial supervision and regulation in 2016 and gives an outlook of 2017.The sub-reports provide the details of development in regulation of banking, securities, insurance, trust and foreign exchange administration. The Special Topics deliver deeper analysis on selected important issues in China's financial supervision and regulation, including regulation of off-balance sheet business, cross financial products, insurance business, block chain financial, payment and settlement business, credit default swaps and program trading, and so on.

Professor Hu Bin, as the chief editor of the Report 2017, is responsible for the organization and final approval of the compilation. Dr.Yin Zhentao and Dr.Zheng Liansheng, as deputy chief editors, are responsible for the editing work. We would like to thank the authors for their brilliant work. We would also like to thank Ms.Zhou Li,Ms.Yun Wei and Ms.Wang Nannan who work in the Social Sciences Academic Press(China)for their invaluable help and support. We expect the Annual Report on China's Financial Supervision and Regulation to become an important platform for the communication and cooperation between FLR and all sectors of the society, thus promoting the reform and development of China's financial supervision and regulation.