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基于互联网平台的金融业务监管与政策

英国下议院公布金融科技专门报告

全新的互联网金融模式国际资讯基于互联网平台的金融业务监管与政策

英国下议院公布金融科技专门报告

近日,由英国下议院成立的脱欧委员会就脱欧部门的工作进展进行了审查,同时出版了系列相关报告。其中涉及航空航天、农业、零售和房地产等多个行业。不过最值得注意的是,这份报告中还专门提到了金融科技产业。

金融科技对英国经济发展而言有着重大战略意义。在市场需求和前瞻性监管环境的共同作用下,英国金融产业取得了飞速发展,创造了上万个就业机会,行业营收突破数十亿英镑。如今,英国已经成为全球金融创新的重要中心之一。所以说在本次报告中,相关部门并没有将其合并到传统金融领域,而是选择专门开辟章节讨论这一新兴产业。

这份金融客机报告中概括了如今欧盟地区的监管制度,以及英欧之间跨境交易的情况,具体包括以下四个方面:

  1. 投资、咨询(包括智能投顾)和新兴银行
  2. 监管科技(合规问题)
  3. 支付(包括比特币等数字货币)
  4. 替代金融(包括众筹和P2P借贷)

报告指出,目前还没有一个适用于所有欧盟国家的金融科技统一监管途径。虽然欧盟已经开始考虑出台一个全欧通用的考量标准,但是目前新兴数字金融企业在监管合规方面仍然"享受"着和传统金融机构一样的待遇。

为鼓励金融科技发展,英国已经为金融科技企业设立了专门的监管条例。比如英国金融行为监管局(Financial Conduct Authority,简称FCA)的创新项目,以及英格兰银行的金融科技加速器项目等等。

英国脱欧之后,该国的金融科技将如何发展?跨境交易该如何进行?这些都是人们非常关心的话题。报告声明,世界贸易组织的一项基本原则或许可以适用于目前的英欧金融市场。此前,韩国和加拿大就曾依据这一条例签署过一份双边协议。

目前,英国政府部门已经就该报告意见向社会发起意见征询,最终结果预计晚些时候公布。

注:报告原文下载,请点击

The Exiting the European Union Committee, appointed by the House of Commons to examine the process of the Department for Exiting the European Union , released a grouping of documents from the Department today. As one may expect, the slew of reports addressed certain aspects regarding ramifications of the UK’s departure from Europe. The “Written Evidence” included a diverse range of industry sectors from Aerospace to Agriculture and Retail to Real Estate. One specific report is of note as it addresses the topic of Financial Innovation.

The Fintech sector is of strategic importance for the UK economy. Its rapid growth, encouraged by demand and a forward looking regulatory approach, now supports tens of thousands of jobs generating billions of pounds in revenue. Fintech, a global phenomena, is growing quickly in the UK and the country is a recognized as the leading international hub for financial innovation. It is encouraging the Department recognizes Fintech as sufficiently important not to aggregate it with more traditional finance.

The Fintech Sector Report highlights the current regulatory regime in the EU and how cross border transactions take place between continental Europe and the UK. The document describes Fintech as covering four different categories:

  1. Investment, advice (including Robo-Advisors) and neo or challenger banks
  2. Regtech for compaliance
  3. Payments including digital currencies such as Bitcoin
  4. Alternative finance including crowdfunding and peer to peer lending

The report notes that a current EU wide regulator approach for Fintech does not exist. Emerging digital financial firms are regulated just like any other traditional financial business even while Europe considers a pan-European approach.

The UK, on the other hand, has encouraged Fintech development with specific bespoke rules. While the list could be longer, the Commons report points to the Financial Conduct Authority’s Project Innovate and the Bank of England’s Fintech accelerator program.

So what happens with Fintech when the UK separates from Brussels? How are cross border transactions to be handled? It is an important question to ask. The report states there is a baseline understanding in place by the World Trade Organization that incorporates all forms of finance and not just Fintech. Examples include bilateral agreements with South Korea and Canada.

And what about the Government’s view on this sector? Good question. Just like all of the other 38 sector reports, the Government has asked the sector views be redacted on the grounds that it was “commercially, market or negotiation sensitive.” Perhaps at a later date then.


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