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

新加坡能否成为未来管理科技领导者?

管理科技(常写作retech)是科技中的一个类别,尤其关注金融业中管理及合规性问题。管理科技不仅有望提高报告及合规性水平,还有望让银行节约开支。近几年来,管理科技已经日渐成为金融业中又一快速发展的新兴领域。

据Bain & Company估算,2016年全球主要银行在监管、风险控制及合规性上的开支达到运营成本总额的15%到20%。律商联讯(LexisNexis)风险解决方案研究报告发现,中国、香港、马来西亚、印度尼西亚、泰国、新加坡的金融机构仅在反洗钱合规性管理上的花销预估达到15亿美元。

不仅银行注意到金融科技的潜力,现在监管者也对这些技术产生了兴趣。

全球普惠金融合作伙伴机构(Global Partnership for Financial Inclusion)的一份报告显示,许多发达经济体的监管者已经或正在升级市场监管系统,与技术创业企业密切合作,开发管理科技系统。

奥地利中央银行——奥地利国民银行(OeNB)就是个例子,它与银行系统、管理解决方案提供商BearingPoint合作,引进全新软件平台,为奥地利银行提供数据收集及管理报告进程流水化服务。OeNB使用BearingPoint的AuRep系统。AuRep系统在ABACUS/GMP上运行,后者是BearingPoint的常规软件平台,通常被用作中央银行和其他银行之间的中心接口。这一平台让OeNB及合作银行减少了管理报告上的开支,也大大降低了银行因改变管理而产生的系统性风险。

新加坡的类似系统也应用良好。新加坡银行与新加坡金融监管局(MAS)合作建立了管理报告应用系统“SINRep”,以便应对越来越复杂的管理环境。

新加坡:亚洲管理科技领导者

新加坡一直致力于成为亚洲的“智能金融中心”,因此也对管理科技的发展非常重视。去年,新加坡中央银行与金融监管者MAS合作举办了亚洲首届管理科技大会,这是新加坡展示金融业数字化的一大行动。

这一盛会被称为ABS-MAS金融科技论坛,是世界上首个大规模金融科技大会——新加坡金融科技节开幕式的一部分。论坛着眼于管理科技面临的机遇与挑战,探索技术如何能够提供更好地合规性解决方案、提升效率、提高收益、减少进入金融业的障碍。

上个月,MAS引进了管理沙盒,让创业企业和金融机构能够在一个真实但不会破坏整个银行系统的环境下进行创新实验。

Hitachi Data Systems首席技术战略官Greg Knieriemen表示,他的公司正使用MAS沙盒测试在新加坡利用区块链技术开具、支付支票的可行性。这一测试要从不同角度如技术、安全、操作、法律等进行证明。

扶持创新

新加坡毕马威亚太地区金融风险管理主任Craig Davis认为,除了监管沙盒,亚洲监管者还需要改变现行管理规则,让银行能够采用并从管理科技中获益。

Davis指出:“为了实现技术应用,管理科技要求相当数量的其他技术,比如云技术。MAS已经就外包要求做出改变,让云技术投入使用。我们听说澳大利亚和中国香港的监管者正在听从需求,计划增强自身外包需求。”

根据德勤APAC金融犯罪网络领导者兼SEA法务合作者Tim Philipps的说法,“亚洲中央银行需要创造一个鼓励、奖励创新行为及实验设计的环境。他们需要成为发展的参与者,而不仅仅是观察者。”

应对改变中的管理环境

新加坡MAS 610/1003条款显示,目前该国金融业数据量总量出现大幅增加,比如数据点超过100,000、数据粒度增加、报告复杂度增加。

根据BearingPoint新闻发言人的说法,管理变化将给银行、商业银行带来间接挑战,让它们接受正确的报告解决方案,实现可扩展性与按时有效报告的最优表现。

为了满足这一挑战,BearingPoint开发了报告、风险估算、管理控制绩效指标的综合平台Abacus360 Banking。

BearingPoint建立于1997年,总部设在荷兰,是一家管理及技术咨询跨国公司,业务范围横跨欧洲及亚洲20多个国家。

在亚洲,BearingPoint在新加坡、上海、香港设立了办公室,向金融服务业提供金融科技和风险科技产品,还提供管理价值链全线支持服务。

BearingPoint的顾客囊括全球5000多家公司,包括国际大银行(主要是欧洲大银行)、保险领先企业、监管当局及中央银行。

Abacus360 Banking发布于6月,是对已有Abacus平台的全新升级换代。Abacus360 Banking囊括了所有现有Abacus管理及风险模块,同时提供附加服务及智能工具箱,为管理报告、管理分析及管理经营提供定制的最佳方案。

Retech has grown from a niche to one of the most promising and exciting areas in the financial world. Regulatory technology, commonly known as regtech, is a classification of technology specifically addressing regulation and compliance issues in the financial industry.

Regtech not only promises to improve reporting and compliance, it also promises to enable banks to save a lot of money.

Bain & Company estimates that governance, risk and compliance costs account for 15 to 20% of the total operating cost for most major banks globally in 2016. A LexisNexis Risk Solution research paper found that financial institutions in China, Hong Kong, Malaysia, Indonesia, Thailand and Singapore are spending an estimated US$1.5 billion on anti-money laundering compliance alone.

Not only banks have wakened up to the potential of regtech, now regulators too are interested in these technologies.

According to a report by the Global Partnership for Financial Inclusion, many regulators in advanced economies have either already updated their market monitoring systems, or are in the process of updating, and in many cases, they are working closely with tech-focused startups to develop these regtech systems.

“Some central banks have embarked on initiatives aimed at enhancing internal systems and processes for regulatory reporting and off-site supervision, in a bid to shift away from template-based approaches towards real-time, input-based approaches that enable greater efficiency in the collection of data and information from banks and non-bank financial institutions,” the report says.

An example is the Austrian central bank, Oesterreiche Nationalbank (OeNB), which has partnered with the banking industry and regtech solutions provider BearingPoint to introduce a new software platform to streamline the data collection and regulatory report process for banks in Austria.

The OeNB is using BearingPoint’s AuRep solution, which runs on BearingPoint ABACUS/GMP, a common software platform that works as the central interface between the banks and the central bank.

The platform has enabled the OeNB and partnering banks to reduce the cost of regulatory reporting. It has also dramatically reduced the systematic risk exposed to banks by these changes in regulation.

A system that could also work well in Singapore. Singapore banks and the MAS could join forces to build “SINRep” a regulatory reporting utility to face the complexities of the regulatory environment.

Singapore: Asia’s regtech leader

In Asia, Singapore too has its eyes on regtech as it works towards building a “Smart Financial Center.” Last year, the city-state’s central bank and financial regulator the Monetary Authority of Singapore (MAS) hosted Asia’s first regtech-focused event, a move that aimed at demonstrating its commitment to digitalizing every part of its financial sector.

The event, called the ABS-MAS Regtech Forum, was part of the inaugural Singapore Fintech Festival, the world’s first large-scale fintech event. The forum looked at the opportunities and challenges for regtech, and explore how these technologies could enable better compliance solutions, increase efficiency, profitability and reduce barriers to entry to the financial sector.

Last June, MAS introduced a regulatory sandbox to enable startups as well as financial institutions to experiment with innovations in a live environment but without disrupting the entire banking system.

Greg Knieriemen, chief technology strategist at Hitachi Data Systems, told MIS Asia that his firm has been using MAS’ sandbox to test the use of blockchain technology to issue and settle checks in Singapore. The test aims to identify issues from various perspectives such as technology, security, operation and legal.

Fostering innovation

But alongside sandboxes, Asian regulators also need to change existing regulations to enable banks to adopt and benefit from regtech, says Craig Davis, Asia Pacific head of financial risk management at KPMG in Singapore.

“Regtech requires a number of other technologies such as the cloud, in order to be viable. MAS has made changes to the outsourcing requirements to enable the cloud to be used. We heard that regulators in Australia and Hong Kong are following suit and planning to enhance their own outsourcing requirements,” Davis told Bank IT Asia.

According to Tim Phillipps, APAC financial crime network leader and SEA forensic partner at Deloitte, “Asian central banks need to create an environment in which innovation and designed experimentation is encouraged and rewarded. They need to be a partner in the development, not simply an observer.”

A response to the changing regulatory landscape

In Singapore, the major changes under the proposed MAS Notices 610/1003 imply increased data volume with more than 100,000 data points, increased data granularity, and increased reporting complexity.

According to a spokesperson for BearingPoint, the regulatory changes will pose an indirect challenge for banks and merchant banks to adopt the right reporting solution that can optimize performance, achieve scalability and attain efficient reporting on time.

The company has developed Abacus360 Banking, an integrated platform for reporting, risk calculation and controlling regulatory KPIs, that aims to meet this exact challenge.

Founded in 1997 and headquartered in the Netherlands, BearingPoint is a multinational management and tech consulting firm that operates in over 20 countries across Europe and Asia.

In Asia, BearingPoint has offices in Singapore, Shanghai and Hong Kong, where it serves the financial services industry with its regtech and risktech products and services supporting the entire regulatory value chain.

Its customers represent 5,000 firms worldwide, among them large international banks, a major part of the largest European banks, leading insurance companies as well as supervisory authorities and central banks.

Abacus360 Banking, a new generation of its recognized Abacus platform, was launched in June. Abacus360 Banking cover all existing Abacus regulatory and risk modules, but also provide additional components as well as an intelligent toolset allowing for tailor-made optimization of regulatory reporting processes, regulatory analytics and regulatory management.


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