voprecotestВопросы экономикиVoprosy Ekonomiki0042-8736Voprosy Ekonomiki, NP10.32609/0042-8736-2019-4-137-151voprecotest-2170Research ArticleНАУЧНЫЕ СООБЩЕНИЯRESEARCH NOTESФинтех: современные тенденции и вызовы для денежно-кредитной политикиFintech: Current trends and challenges for monetary policyhttps://orcid.org/0000-0003-4015-3979КиюцевскаяА. М.KiyutsevskayaAnna M.

Киюцевская Анна Мироновна, к. э. н., с. н. с. Центра изучения проблем центральных банков РАНХиГС

Москва

Moscow

kiu2003@mail.ruРоссийская академия народного хозяйства и государственной службы при Президенте РФРоссияRussian Presidential Academy of National Economy and Public AdministrationRussian Federation20190404201904137151Copyright © Voprosy Ekonomiki, NP, 20192019Voprosy Ekonomiki, NPVoprosy Ekonomiki, NPhttps://www.vopreco.ru/jour/about/submissions#copyrightNoticehttps://www.vopreco.ru/jour/article/view/2170

В статье анализируются особенности современного этапа развития финансовых технологий, обусловленного ужесточением требований к традиционным финансовым посредникам и ростом кредитных рисков. Внедрение финансовых технологий, расширяющих доступность финансовых услуг, не только создает условия для повышения деловой активности, но и формирует вызовы для традиционных банков и монетарных властей. В статье обсуждаются риски, связанные с возникновением цифрового (безналичного) общества, а также возможность и последствия появления цифровых денег центральных банков.

The article describes the features of the current stage of development of financial technologies. This process has become a reaction to the post-crisis tightening of regulatory requirements for traditional financial institutions and increasing credit risks. The introduction of financial technologies that broaden the availability of financial services not only creates conditions for increasing business activity, but also forms challenges for traditional banks and monetary authorities. The article discusses the risks of the evolving digital (cashless) society, as well as the possibility and consequences of the emergence of central banks’ digital money.

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The authors declare that there are no conflicts of interest present.