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国际资讯监管与政策

澳大利亚计划扩大金融科技监管沙盒计划

国际资讯监管与政策

澳大利亚计划扩大金融科技监管沙盒计划

此前,澳大利亚证券投资委员会(后文简称ASIC)曾承诺,将对其监管沙盒和金融科技牌照豁免制度进行审阅。目前,ASIC已经开放意见征询,截止日期为2018年2月27日,相关意见可直接发送邮件至asic@innovationhub.gov.au。

澳大利亚金融科技监管沙盒于2016年12月正式推出。按照现有制度规定,符合条件的创企可以面向100名散户投资者提供最多12个月的实验性服务,但同时也要达到部分消费者保护条例的要求,并在正式开始营业前知会ASIC。

截至目前,共有4家金融科技企业参与了此前的牌照豁免试验。此外,还有不少金融科技企业正在于ASIC就这一事宜进行沟通协商。

此前,澳大利亚财政部也曾表达了他们对政府加强监管沙盒提议的意见,而他们对此的看法与ASIC的本次制度审核基本一致。据了解,澳大利亚政府计划将现有ASIC金融科技牌照豁免范围再扩大,同时延长测试期,提高资本上线,提升企业同时涉及的经营领域等等,充分发挥金融科技监管沙盒的积极作用。

The Australian Securities and Investment Commission (ASIC) had previously committed to review its regulatory sandbox and Fintech licensing exemption and upon review, officials have proposed to maintain the current status. The regulatory Fintech sandbox was introduced in December 2016 and enables eligible firms to test services in a structured environment.

ASIC has launched a consultation (embedded below) seeking feedback on the Fintech licensing exemption with comments being accepted until February 27, 2018. Feedback may be forwarded to asic@innovationhub.gov.au.

ASIC says the current Fintech licensing exemption allows eligible businesses to test specified services for up to 12 months with up to 100 retail clients, provided they also meet certain consumer protection conditions and notify ASIC before they commence the business.

To date, four Fintech businesses have used the Fintech licensing exemption. In addition, over a dozen Fintech businesses have also contacted ASIC about using the Fintech licensing exemption.

The ASIC review coincided with Treasury’s own consideration of feedback to the Government’s enhanced sandbox proposal. The Government’s draft proposal would extend the scope of the ASIC’s Fintech licensing exemption in a number of areas, including the testing period, caps, limits and number of times a business can make use of the sandbox.


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