最有看点的互联网金融门户

最有看点的互联网金融门户
国际资讯监管与政策

欧盟把软件投资视为无形资产 银行联合会呼吁尽快改革

近日,欧洲银行联合会(European Banking Federation,后文简称EBF)在回应欧盟对金融技术的一份咨询时,称如果欧盟还想在全球保持竞争力,必须改变这些法规。

EBF表示:

“软件是欧盟银行的一种战略资源,让银行能够随时随地服务客户,发展网络安全措施,提供更有竞争力的数字服务,现行过于谨慎的法规是阻碍创新投资的一大因素。它也与全球竞争市场规则违背,特别是与美国比较,美国把软件投资看做有形资产,无需从银行的资本比率中剔除。”

为了解决数字创新发展的相关政策问题,欧盟委员会创建了金融科技特别小组,代表欧洲4500多家银行的EBF对此表示赞赏。

EBF首席执行官Wim Mijs称:

“金融科技是我们产业的DNA。银行积极采用金融科技,用新产品新服务服务客户,利用全新的竞争保证了我们的行业优势。作为欧洲人,如果我们确实想要在全球金融科技领域占有一席之地,那么我们就需要在繁荣的数字单一市场为创新金融服务创造空间。”

不过,EBF也反对为市场新进技术竞争者提供特别优待,提倡要实行平衡一致的管理方法。

“管理应该维持四个原则,即‘相同服务、相同风险、相同法规、相同监督’。只有保持公平竞争、公平创新,企业才能为用户提高高标准、一体化、市场化和稳定的业务服务。”

此外,文件还指出应该积极推动金融科技产业合作。要创立稳固的欧洲金融科技生态系统,银行、数字产业竞争者及其他类型公司就必须通力合作。对阻碍这种合作的潜在管理障碍,应该极力避免,如果有必要,应该全部消除。

Responding to an EU consultation on financial technology, the EBF says that the rules must be changed if Europe is to remain competitive globally.

"Software is a strategic asset for European banks, enabling them to serve clients where and when needed, to develop cyber security measures, and to deliver digital services competitively," the EBF argues. "The current prudential treatment is a significant disincentive for investments in innovation. It also distorts the global playing field, particularly when compared to the US, where software investments can be treated as tangible assets that do not have to be deducted from a bank’s capital ratio."

The Federation, which represents more than 4500 banks across the EU, applauded the European Commission's creation of a fintech task force to address policy issues relating from the rise of digital innovation.

Says Wim Mijs, chief executive officer of the EBF: “There is no denying that financial technology is the DNA of our industry. Banks actively embrace fintech to serve clients with new products and services, and it’s great to see how fresh competition helps us keep our focus. If we as Europeans really want to play a role in fintech globally we need to create room for innovative financial services in a flourishing Digital Single Market.”

Despite the warm words, the EBF cautioned against the provision of special treatment to new tech-driven entrants in the market, calling for a balanced approach to regulatory issues.

"Such an approach can be described as ‘Same services. Same risks. Same rules. Same supervision." the Federation says. "This would ensure high standards for consumer protection, market integrity and financial stability in a level playing field that supports fair competition and innovation."

The document notes that the industry is committed to fintech partnerships and in many cases is already actively working with newcomers.

"The creation of a sound European fintech ecosystem requires collaboration between established banking businesses, neo-digital challengers and other types of companies," states the paper. "Potential regulatory obstacles to such partnerships should be prevented and if necessary eliminated."


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