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国际资讯监管与政策

英国政府金融技术报告四大看点

国际资讯监管与政策

英国政府金融技术报告四大看点

英国政府发布了包括金融科技在内、与退欧相关50多个行业的分析报告,给每个人提前发放了一份圣诞礼物。

你可能还记得这些报告并不是David Davis发布的影响评估,只是"包含在退欧公投后期一系列文件中大量定性、定量分析的集合"。

以下是我们从金融科技行业报告中获得的一些信息:

1.金融科技不是金融服务的一部分

金融科技有自己的分析报告表明政府对待金融科技的态度,报告中也明确指出了这一点。

政府明确表述金融科技"不是金融服务分支,也不是传统意义上在广义金融服务市场中描述某一特定活动或商业模式......相反,它是一个适用于描述使用新技术、新方法提供服务的金融服务行业公司的标签。"

2.四大金融科技行业

政府认为某些金融科技领域可以整合,并提出了四大领域:投资建议与数字银行(neo bank);后端系统与合规性;数字货币支付与技术;替代金融。

3.金融科技目前在国际贸易中定义为服务

从世界贸易组织的规则出发,金融技术在贸易中被归类为服务。

报告这样说:

"就国际贸易而言,世界贸易组织的服务贸易总协定建立了包括所有金融服务在内的服务贸易的基础,其中也包括金融技术。尤其是欧盟自由贸易区与韩国、加拿大的贸易促进了这一规定的发展。"

报告还指出,概述当前贸易时,这并不能"代表英国政府为英国与欧盟未来经济关系考虑的选择"。

4.政府没有直接的"金融技术"监管条例

报告指出,现在对金融科技的监管规则来自相关行业(如银行业),而非仅仅针对金融科技。

报告认为,替代金融和数字货币目前还没有监管规定,不过欧盟委员会正在研究相关法律是否必要,数据保护相关规定很大程度上适用于金融科技活动。

这些研究的作用仍有争议。很多敏感信息被删减后,这些报告更像提供给对金融科技感兴趣的人的行业概述,而非对英国退欧后金融科技未来的预测。

The government has given everyone an early Christmas present, publishing the sectoral analysis papers for more than 50 sectors in relation to Brexit - including fintech.

You might remember that these are not the impact assessments which David Davis revealed do not actually exist, but simply "a wide mix of qualitative and quantitative analysis contained in a range of documents developed at different times since the referendum".

Here's what we garnered from reading the fintech sector report.

1. It's not part of financial services

The fact that it has its own analysis would suggest this is how the government is treating fintech, but it is also stating it explicitly.

They clarify that it is "mot a sub-sector of financial services in the traditional sense of describing a particular activity or business model within the wider financial services market".

"Rather, it is a label applied to firms operating across a wide range of financial services sectors, which use new technology to provide services in new ways," it said.

2. There are four major fintech sectors

The government has seen fit to group some areas of fintech together, coming up with four: investment advice and neo banks; back-end systems and compliance; payments and technologies underpinning digital currencies; and alternative finance.

3. Fintech comes under a services trade deal currently

Fintech is classed as a trade in services, using World Trade Organisation (WTO) rules as a starting point.

Here's what it says:

"With respect to international trade, the World Trade Organization's General Agreement on Trade in Services (WTO-GATS) establishes a baseline for trade in services including in relation to all financial services, including FinTech. This has been developed through EU FTAs with, in particular, South Korea and Canada."

It also notes that while outlining current trade deals, it does not "represent the options being considered by the Government for the future economic relationship between the UK and the EU."

4. There is no direct "fintech" regulation

Regulation of fintech comes under rules associated with their activities - eg, banking - rather than specifically as fintech, it notes.

It also points towards there being no current regulation when it comes to alternative finance and digital currencies, though, the European Commission is exploring whether it's needed., while also pointing out that rules on data protection largely apply to fintech's activities.

How useful the studies are is debatable. They are more of a round up giving a succinct overview of a sector - a crib sheet for anyone interested in fintech - rather than giving any indication of fintech's future after Brexit, while sensitive information has been redacted.


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