近日,国家金融与发展实验室及社会科学文献出版社共同发布《金融监管蓝皮书:中国金融监管报告(2017)》。报告指出,目前金融科技的监管基本停留在互联网金融监管阶段,是一种相对被动的监管体系。现在金融科技逐步进入2.0阶段,呈现出跨界化、去中介化、去中心化和自伺服功能四个重要特征:跨界化主要体现在金融科技至少跨越了 Recently, the State Financial and Development Laboratory and the Social Sciences Academic Press jointly released the Blue Book on Financial Regulation: China Financial Regulatory Report (2017). The report pointed out that the current supervision of financial technology basically stays in the Internet financial regulatory phase, is a relatively passive regulatory system. Financial science and technology are now gradually entering the 2.0 phase, presenting four important characteristics of transboundaryization, deintermediation, decentralization and self-service: transfrontalization is mainly reflected in the fact that financial technology at least crosses over