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国际资讯监管与政策

澳大利亚政府发布“开放银行”审评结果

国际资讯监管与政策

澳大利亚政府发布“开放银行”审评结果

去年8月澳大利亚政府宣布将逐步推行"开放银行"监管条例。本周,针对这一条例的审评结果正式公布。

此前,澳大利亚财长及国会议员Scott Morrison将该评审作为澳政府2017预算的一部分,希望借此找到实施开放银行监管"最合适的模式"。

最终审评报告包含50项推荐,由King&Wood Mallesons合伙人Scott Farrell及其团队完成。这些推荐涉及监管框架、银行数据种类、消费者安全措施、消费者数据传递及管理以及未来可能出现的问题。

以下是本次审评提到的四大主要原则:

"开放银行"应该更关注客户

这意味着需要银行只有在得到客户明确授权后才能分享他们的数据,而且所有数据传送必须保有记录。

"开放银行"应该鼓励竞争

"开放银行"旨在创建更具竞争性的银行业环境,刺激金融业和经济发展。让消费者通过更加便捷的数据获取途径获得更多选择,有机会做出更明智决策,在减少服务费的同时提高安全水平。

"开放银行"应该创建机会

Farrell希望今后所有关于"开放银行"建制都应包括"鼓励新想法和新企业迸发并成长的框架",监管规则将不仅限于现有的金融结构。

"开放银行"应该高效公平

"开放银行"系统应该时刻关注安全,但同时不能太过复杂或成本高昂。比如,数据传输应该免费,传输提示和请求应限于一块屏幕。

此外,所有"开放银行"应用程序接口将按照澳大利亚数据标准制定局的规定创建,受《2010年竞争和消费者法》限制。

目前"开放银行"系统定于2019年7月1日全面推行,澳大利亚四大行在新财年内将提供至少50%的新信贷数据,最后期限时将提供100%。

了解报告全文,请点击

The Australian government has today released the results of its review into Open Banking, after the country announced it would like to “phase in” the regulations in August last year.

Australian treasurer Scott Morrison MP commissioned the review as part of the government’s 2017 Budget, seeking to make recommendations for the “most appropriate model” for implementing Open Banking regulations.

The final report, which makes 50 recommendations in total, was carried out by Scott Farrell, a partner at King & Wood Mallesons, and his team. These recommendations cover topics such as the regulatory framework, the type of banking data involved, security measures for consumers and how their data will be transferred and managed, as well as any further issues that may arise.

However four core principles were identified as integral to the review:

Open Banking should be more customer focused

This means that customers should provide banks with explicit consent to share their data, with participants being required to maintain a record of all data transfers.

Open Banking should encourage competition

It is hoped that as a result of the regime, a more competitive banking environment will come into fruition. This should stimulate both the economy, and financial innovation. Better access to data will allow customers to make more informed choices from a wider variety of options, which may also allow the cost of service to decrease while security levels improve.

Open Banking should create opportunities

Farrell hopes that any future iteration of the regime should include “a framework on which new ideas and business can emerge and grow”, with regulations not just limited to existing financial structures.

Open Banking should be efficient and fair

This means that the regime as a whole should be carried out with security in mind, without becoming more complex or costly than required. For example, data should be transferred free of charge, with notifications and requests to customers limited to a single screen.

In addition, all Open Banking APIs will be built in accordance with the Australian Data Standard Setting Body, and be legislated through the Competitive and Consumer Act of 2010.

The regime is currently set to be fully rolled out by 1 July 2019, with Australia’s Big Four banks to supply at least 50 per cent of new credit data by the new financial year, and 100 per cent of data by the regime’s release date.

The full Treasury report is available here.


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