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国际资讯监管与政策

FCA发布本年度商业计划书 重点关注金融科技与监管科技

近日,英国金融行为管理局(后文简称FCA)发布了最新的《2017-2018年度商业计划》(查看原文请点击)。该计划对未来一年金融科技(FinTech)和监管科技(RegTech)需要优先解决的诸多事项进行了解释。

首先,FCA提出想要更多地与地区性以及苏格兰的金融科技中心合作。

其次在风险展望部分,FCA谈到了金融科技复杂价值链可能对消费者保护和市场诚信产生的风险。有关监管和控制日益复杂的第三方关系链的问题也在FCA的优先事项中得到了反映。

此外,由于金融市场的高风险性,现有企业的科技弹性也将继续成为重点关注的领域。 FCA指出,金融科技公司可能不完全了解监管的范围及其对业务模式的影响。这可能导致一些公司不遵守FCA规则的情况,并对消费者保护和市场完整性构成风险。此外,FCA还担心金融科技公司对技术的更大依赖会增加操作风险,并对市场诚信度构成威胁。 FCA认为,金融科技公司的商业模式将风险从金融公司转移到消费者,而消费者本身却没有充分了解风险带来的影响或拥有足够的保障。

最后,FCA的跨部门优先事项还包括监管科技(RegTech)。FCA认为,监管科技将有助于更高效的监管与合规。FCA希望鼓励监管科技的创新和运用,以期在提升企业遵守监管程度的同时降低成本。 创新的监管科技可以帮助企业解释FCA规则制度,并以更节约有效的方式提交所需的监管信息。 FCA将继续这一开始于2016年的计划,通过鼓励金融业开发和采用可以提升监管报告效率的技术,来减少公司的合规成本。

The UK Financial Conduct Authority (FCA) recently issued its Business Plan 2017/18 that deals with its FinTech and RegTech priorities for the year ahead.

The FCA wants to engage more with regional and Scottish FinTech hubs. In its risk outlook, the FCA talks about more complex value chains that utilise FinTech posing a risk to consumer protection and market integrity. The issues associated with the oversight and controls of increasingly complex chains of third party relationships are reflected in the FCA’s priorities. The technological resilience of incumbent firms will also continue to be an area of focus because of the risk of disruption to financial markets. The FCA states that FinTech firms may not fully understand the scope of regulation and its impact on their business model. This could lead to cases of non-compliance with FCA rules, which could pose risks to consumer protection and market integrity. In addition, the FCA fears that greater reliance on technology poses increased operational risk, and risks to market integrity. The FCA believes that FinTech business models shift risk from financial firms to consumers without consumers fully understanding the implications or having adequate safeguards.

Cross-sector priorities for the FCA also include RegTech. The FCA believes that RegTech leads to more efficient and effective regulation and compliance. It wants to encourage RegTech innovation and adoption to increase firms’ compliance with regulation while reducing the costs. Innovative RegTech technology can help firms interpret the FCA regime of rules and submit the required regulatory information, in more economic, efficient and effective ways. The FCA will continue its programme of work begun in 2016 to reduce firms’ compliance costs by encouraging the financial industry to drive forward the development and adoption of technologies that can unlock the efficiency and effectiveness of regulatory reporting.


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