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欧盟委员会正式发布Fintech产业报告

今年年初,欧盟委员会宣布将在今年6月份发布主题为“金融科技产业:一个更具竞争力和创造性的金融部门”的产业报告。随着发布时间的截止(2017年6月15日),日前,该份报告正式出炉,同时,欧洲证券与市场管理局(ESMA)也给予了回应。

该份报告全面的展示了欧盟委员会对于金融科技产业在未来发展的监管态度:

  • 不论何种技术,何种服务,监管都必须做到一视同仁,保证行业平稳发展,为科技创新提供良好环境;
  • 欧盟将在未来对金融科技行业实行全面的监管,包括企业的业务模式、规模、内部组织结构、跨境活动等;
  • 各国政府需要提高本国金融科技市场的透明度,保障投资者和企业合法权益,降低由网络安全、市场混乱等因素引起的系统性风险。

欧洲证券与市场管理局(ESMA)对报告做了积极的回应。ESMA认为,金融科技企业应当将自己的发展目标定位为改善客户服务和提高客户体验。这种高包容性的金融商业模式将科技进步带来的福利落实到了客户身上,自然也会从客户那里得到回馈。同时,从业人员也必须意识到金融科技产业所涉及的风险,因而要求建立一个欧盟一体化的筹资制度,以确保欧盟内部的交易商得到保护。

EMSA还对金融科技做出了监管要求,具体包括:

  • RegTech:作为金融科技的分支,在数据报告方面具有其独特的优势。英国金融行为监管局(FCA)将其描述为“运用新技术,促进达成监管要求” ESMA补充说,提供类似服务的公司将受到同等待遇的监管;
  • 众筹平台:对于跨境筹资业务,欧盟各国应该设计符合本国国情共享的监管框架;
  • 外包业务:所有外包业务,尤其涉及到云服务的外包,应严格按照欧洲立法指南执行,以确保数据安全。

 

Earlier this year, the European Commission published a consultation paper on Fintech. Entitled, “Fintech: A More Competitve and Innovative European Financial Sector,” comments are starting to be published as the deadline nears (June 15, 2017). The ESMA published their comments today.

The consultation was predicated on the Commission’s public posture on Fintech, including these three principles:

  • Technology-neutral to ensure that the same activity is subject to the same regulation irrespective of the way the service is delivered, so that innovation is enabled and level- playing field preserved.
  • Proportional, reflecting the business model, size, systemic significance, as well as the complexity and cross-border activity of the regulated entities.
  • Integrity-enhancing, as application of technologies to financial services should promote more market transparency to the benefit of consumers and businesses without creating unwarranted risks (e.g. market abuse, mis-selling, cyber security issues, systemic risks).

There are four broad areas covered in the Consultation:

  • Fostering access to financial services for consumers and businesses;
  • Bringing down operational costs and increasing efficiency for the industry;
  • Making the single market more competitive by lowering barriers to entry; and
  • Balancing greater data sharing and transparency with data security and protection needs.

Fintech is the digitization of finance that makes it easier for firms to provide services regardless of their physical or national base. The question is can the Commission act accordingly and truly streamline the regulatory landscape so platforms and services can easily scale and compete.


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