最有看点的互联网金融门户

全新的互联网金融模式国际资讯监管与政策

芬兰财政部成立专家工作组 开启互金发展新时代

全新的互联网金融模式国际资讯监管与政策

芬兰财政部成立专家工作组 开启互金发展新时代

Finland Creates Fintech Expert Group Expecting Sustainable Growth

为深化金融创新,促进互联网金融健康发展,明确监管责任,芬兰财政部近日宣布专门成立互联网家金融专家工作组。财政部顾问Miki Kuusinen将负责专家组协调工作。

近年来,芬兰的互联网金融行业百花齐放,以众筹和P2P网络借贷为代表的新型金融模式均呈现出了快速增长的态势。在这种背景下,互联网金融专家工作组将致力于打造一个多元化的金融服务生态系统,提高芬兰金融市场的竞争力。

蓬勃发展的众筹产业

Finland-Crowdfunding-Joukkorahoitus-Suomessa-englanti-600x450

此前,芬兰财政部曾发布了近年来芬兰众筹产业发展调研报告。报告显示,2016年,芬兰众筹平台筹资总额达到1.53亿欧元,相比于2014年的5200万欧元和2015年的7050万欧元,实现了翻倍增长。

芬兰财政部表示,股权众筹和债券众筹已经成为中小微企业融资的重要形式。

自2014年以来,芬兰财政部每年都会对市场上的众筹平台进行调研。随着近年来的不断完善,该调研已基本覆盖了全部平台。

报告中,2016年芬兰众筹市场发展情况为:

  • 股权型众筹:4130万欧元(同比增长184%)
  • 债券型众筹:3990万欧元(同比增长92%)
  • P2P网络借贷:7130万欧元(同比增长106%)
  • 奖励型众筹:84.6万欧元(同比增长32%)

财政部还预测,众筹市场将继续保持良好的发展势头。芬兰政府颁布的新众筹法案中,首次明确了众筹平台和投资者的权利与义务,对与规范众筹市场秩序,进一步实现行业自律具有重大意义。此外,该法案还将股权型和债券型众筹平台纳入了金融市场监管的范围内,是构建外部监管框架,实现行业自律与外部监管相结合的重要举措。

互联网金融将开启金融发展新时代

芬兰财政部认为,金融科技的广泛应用将对当今的金融市场造成巨大影响。简而言之,金融科技的发展将为人们的商业活动提供更有效的数据获取途径,更便捷的资金融通模式以及更简便安全的支付方式。在这个过程中,金融科技还将催生新型的商业模式。

成立互联网金融专家工作组,能够帮助芬兰企业更加充分的利用新型金融模式,降低成本,提高工作效率和交易速度,进一步促进金融市场整体的多样化与竞争力。同时,公共机构和传统金融机构将面临互联网金融发展所带来的巨大挑战。此外,互联网金融作为一种新型的金融模式,发展模式与监管体系还未完全成熟,盲目发展也必将对金融市场的稳定性和持续性造成巨大威胁。

The Ministry of Finance of Finland has decided it would be beneficial to better understand emerging financial technologies: IE Fintech.

In reaction to these emerging innovations, the Ministry has set up a group of experts to monitor and enhance the conditions in which financial services technologies can evolve. The group’s coordinator is Ministerial Adviser Miki Kuusinen. The group will seek to help bring about a diverse financial services ecosystem and improve the competitiveness of the Finnish financial markets.

Finland-Crowdfunding-Joukkorahoitus-Suomessa-englanti-600x450

Finland’s Ministry of Finance has published an update on the nascent Finish crowdfunding industry. According to their report, Finland’s crowdfunding market more than doubled in size during 2016.

Coat of Arms - FinlandThe Finish government estimates the total amount raised during 2016 stands at €153 million in contrast to the year prior (€70.5 million) the amount has more than doubled. Two years ago the market stood at €52 million

The government says the growth in investment-based and loan-based crowdfunding, which are important forms of funding for businesses, has been particularly rapid.

The Finnish crowdfunding market in 2016 is summarised as follows:

Investment-based crowdfunding: € 41.3 million (year-on-year increase of 184%)

Loan-based crowdfunding for businesses: € 39.9 million (year-on-year increase of 92%)

Peer-to-peer lending between private individuals: € 71.3 million (year-on-year increase of 106%)

Reward-based crowdfunding: € 846,000 (year-on-year increase of 32%).

The Ministry of Finance has completed a survey on crowdfunding annually among the market operators since 2014. Officials said the survey has reached the majority of crowdfunding intermediaries operating in the Finnish market.

The Ministry of Finance predicted the crowdfunding market would grow further. Factors contributing to this growth include the new Crowdfunding Act, which clarifies the rights and obligations of both market operators and investors. The Act places loan-based and investment-based crowdfunding within the sphere of regulated financial markets.

Factors contributing to this growth include the new Crowdfunding Act, which clarifies the rights and obligations of both market operators and investors.

The Act places loan-based and investment-based crowdfunding within the realm of regulated financial markets.

The Ministry believes widespread adoption of Fintech may lead to a major transformation of today’s financial markets. In brief, Fintech will more effectively enable the adoption of new ways of acquiring and transmitting funding (one example is crowdfunding) and new payment methods, and will give rise to new business activity in association with these.

The Ministry envisions services provided using Fintech to reduce costs, improve efficiency and transaction speed, diversify financial markets and increase competition. Fintech may also bring significant new challenges especially for public authorities and particularly in terms of ensuring financial stability and uninterrupted business on the financial markets.

GELP

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