关键词: 监管科技, 金融机构合规, 生态体系

Abstract: The rapid development of the new economy has accelerated the application of regulatory technology in the compliance of financial institutions, but the technology itself has not fundamentally eased the game conflict between the regulatory side and the compliance side, nor changed the passive compliance mode of financial institutions. The application of regulatory technology in the compliance of financial institutions can achieve closed-loop feedback of information and iterative upgrade of the functions, promote the transformation of financial institutions' compliance from endogenous passive compliance with external constraints to active compliance with enhanced risk prevention and control, and gradually shift to higher level advantageous compliance of escort strategy. In the context of the interactive effects of new technologies, regulatory technology has become a self-contained environment. A healthy ecological relationship can enhance the synergy between financial institutions and regulatory agencies. A good technical ecological environment and working mechanism can help financial institutions return to their business roots and actively embrace the compliances. The process of constructing an ecosystem of regulatory technology is in itself an in-depth application process at the compliance side, and is also the process to help financial institutions solve compliance problems.

Key words: science and technology supervision, compliance of financial institutions, ecosystem