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国际资讯监管与政策

金融科技许可豁免催生市场不公 澳大利亚陷入两难

过去六个月以来,澳大利亚财务规划协会(FPA)一直在为金融服务科技创企提供豁免争论不休,他们认为问题在于许可机制本身。

FPA首席执行官Dante De Gori在FPA悉尼成员路演中表示:澳大利亚证券与投资委员会对金融科技创企转而采取彻查监管措施,这种方法营造了并不公平的竞争环境;de Gori认为金融咨询业的所有参与者都应从许可机制发生的任何转变中获益。

"我并不是在提倡豁免应推及至金融科技业。我们无法接受仅因企业属于金融科技就为其提供许可豁免。FPA担心许可机制豁免可能会破坏该机制的完整性,使某些对消费者的保护消失。设立许可机制的目标在于,一确保适合的人创办企业且企业运营合理,二则在于保护消费者。"

"我们认为,如果许可机制无法鼓励创新或不能与初创企业准入能力相适应,那么该许可机制就是有问题的。与提供豁免这个问题本身对比来说,这才是应集中解决的问题。"

de Gori表示,创新并不是金融科技的专属,许多人想要创建新颖的金融服务企业,但却由于目前的许可机制束手束脚。

"许可机制要么足够强劲,足以满足每个想要进入市场玩家的需求,要么则恰恰相反。如果许可机制无法满足需求,就需要对其进行修补。如果许可机制对金融科技来说是个障碍,那么它极有可能终结整个行业的发展。"

The Financial Planning Association has disputed the need to provide licensing exemptions to financial services technology start-ups for six months, arguing the problem is within the licensing regime itself.

Speaking at the FPA Sydney member roadshow, chief executive, Dante De Gori, said the Australian Securities and Investments Commission's (ASIC's) move to canvass a regulatory sandbox approach for fintech start-ups created an uneven playing field, and argued everyone in the financial advice industry should benefit from any changes to licensing regimes.

"I'm not here advocating that exemptions should be applied to fintechs. We don't accept providing exemptions to the licensing regime purely because you're a fintech," de Gori said.

Related News: FSC urges priority reintroduction of LIF legislation

He added the FPA was concerned that exemptions to the licensing regime would reduce the integrity of the regime and remove some of the consumer protections.

"The licensing regime is designed to do a couple of things: number one is to ensure that the right people are starting up businesses and running businesses that are appropriate, secondly to protect consumers," de Gori said.

"In our view, if the licensing regime doesn't accommodate innovation or doesn't accommodate the ability for start-ups to enter, then there's a problem with the licensing regime. We feel that that should be concentrated on rather than providing exemptions."

Innovation was not simply the domain of fintechs, as there were many people who wanted to establish innovative financial services business but were constrained due to the current licensing regime, de Gori said.

"Either the licensing regime is robust enough to cater for everybody that wants to be in it or it's not. And if it's not then fix the licensing regime.

"If it is a barrier to fintechs, it's not just a barrier to fintechs, it's a barrier, full stop," de Gori said.


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