最有看点的互联网金融门户

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

受大选提前影响 英国众筹行业监管报告或将推迟发布

去年8月份,金融市场行为监管局(FCA)开启了众筹规则审核意见窗口,从众筹行业所有利益相关方收集反馈意见,并与企业合作,开展更多的市场调查来完成审查。此次审查包含了债券、股权等其他证券形式在内的众筹审查。这即将出台的新的规则将会修订现有的规则,同时会融合平台、投资者、竞争者等各方持有的互联网金融的观点。

该机构当时表示,预计将于2017年年中发布最终的行业监管报告。然而,英国议会下议院在今年4月19日投票正式通过首相Theresa May提出的议案,英国大选将在今年6月8日提前举行。受到该事件影响,有业内人士指出,FCA的众筹监管报告的发布时间预计将推迟到下半年。

根据FCA在此前发布的消息,该份监管报告将主要包括以下几个方面:

投资者限制。投资者限制是本次规则修订的关键内容。针对在投资非上市证券时投资者所面临的证券难以独立定价与难以在二级市场转让的风险,规则要求,在众筹平台(或其他渠道)提供该类投资的企业应当只对特定类型投资者发行。

适当性检测。未被建议的零售客户应当进行适当性测试,所有平台在客户对投资邀请做出回应前都必须对客户是否具有足够的知识和经验理解所涉及的风险进行检测。

信息披露与尽职调查。已有的金融产品推介和披露规则仍然适用,进行相关活动的企业应当确保其行为没有违规,特别要注意推介应当公平、明确并不具有误导性。

早在2014年,FCA就曾发布了《众筹监管规则》,而现阶段FCA对众筹监管规则进行审查,是为了确定是否需要进一步的修改。目前,英国的整个众筹行业在等待着FCA出台最终报告,这将涉及到英国众筹监管细则是否变更,平台是否需要根据变更进行调整。

Assetz Capital的联合创始人兼首席执行官Stuart Law表示,众筹平台希望通过这次监管审查,监管的重点能够从质量向数量转变。此外,他强调,只有加强行业监管,平台才能够提高发展规模,以与政府机构共同维护国家金融稳定。

Those waiting for further clarity on the FCA’s proposals for the crowdfunding industry will have to wait a little longer. The regulator has indicated that is now in purdah, and will not be publishing anything until after the election.

The FCA launched its planned post-implementation review of crowdfunding regulations for debt and investment-based platforms with a call for input in the summer of last year. It then hinted at new rules for the crowdfunding sector in mid-December, including “more prescriptive requirements on the content and timing of disclosures by both loan-based and investment-based” platforms.

The regulator said then that it planned to report on the final conclusions of the review in mid-2017, but some in the industry had been expecting to see these “imminently”.

We now know that this isn’t going to happen. Some platform representatives, who wished to remain anonymous, have been told to expect the publication of the new proposals to shift from spring to summer.

Stuart Law, co-founder and CEO of Assetz Capital, believes that the consultation will be a key development in the ongoing attempts of some of the biggest peer-to-peer lenders to get fully authorised.

“We would expect that where a platform’s activities align with the proposed new framework they could perhaps hope to see the authorisation process continue apace and where their activities may be affected by the consultation that they might need to await any decisions arising from that consultation before they could receive permissions, after any appropriate changes to their business model,” he said.

Either way, Law had hoped to see those platforms that are currently operating under interim permission (including Assetz) authorised by the summer. He said that the country needs an alternative to the highly leveraged banking sector in order to better support the economy through the next cycle.

“The faster we get permissions the faster we can increase our scale to help address the common objective of increasing the country’s financial stability,” he said.


用微信扫描可以分享至好友和朋友圈

扫描二维码或搜索微信号“iweiyangx”
关注未央网官方微信公众号,获取互联网金融领域前沿资讯。

发表评论

发表评论

您的评论提交后会进行审核,审核通过的留言会展示在下方留言区域,请耐心等待。

评论

您的个人信息不会被公开,请放心填写! 标记为的是必填项

取消

张沛祺未央编辑团队

156
总文章数

TA还没写个人介绍。。。

AngelList联合投资项目进军印度市场

Jon Russel... | TECHCRUNCH 4小时前

OurCrowd推出1亿美元智能创企基金

JD Alois | CROWDFUND ... 01-12

2017年SEC十大投资者告示,金融科技话题多次上榜

潘, 妍媛 01-04

亚马逊收购家用监控装备商Blink

Samantha H... 2017-12-27

要转型?众筹平台Indiegogo推出ICO项目

Anna Hense... 2017-12-14

版权所有 © 清华大学五道口金融学院互联网金融实验室 | 京ICP备17044750号-1