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国际资讯监管与政策

英国倡议建立全球化金融科技监管沙盒

2016年,由英国金融行为管理局(后文简称FCA)牵头,英国建立了全球首个金融科技监管沙盒。

而近日,FCA方面倡议,应该建立一个全球化的金融科技监管沙盒,使金融科技公司能够同时在不同国家进行测试,并帮助监管机构识别和解决常见的跨境问题。

FCA战略和竞争执行董事Chris Woolard表示,针对监管机构、初创公司、大型企业和贸易机构所提建议的反馈意见已经出炉。

关于全球沙箱如何在实践中发挥作用,各方提出了不少意见,比如涵盖不同国家数据需求的“全球词典”、以及参与监管机构发表联合使命声明等等。至于监督方面,由参与监管机构代表组成联盟的想法可能是一种比较受欢迎的模式。

Woolard承认,制定全球标准是不现实的,因为标准制定的讨论过程会异常漫长。

相反,他敦促通过国际证监会组织等国际机构开展工作,并要求赋予监管机构足够的灵活性进行测试,以及选择参与不同测试的自由。

本周,来自欧盟、美国和远东地区的监管机构将共聚一堂,一起讨论制定这个全球化监管沙盒的未来蓝图。

The UK's Financial Conduct Authority says that it will start working with partners in Europe, the Far East and the US on a blueprint for a global regulatory fintech sandbox. Having launched the world's first domestic regulatory sandbox in 2016, the FCA last month floated the possibility of a global version, enabling fintech firms to carry out tests in different countries at the same time and helping watchdogs to identify and solve common cross-border problems.

Chris Woolard, executive director of strategy and competition at the FCA says that feedback on the proposal from other regulators, startups, large firms and trade bodies have come in, with particular interest in the idea of cross-border testing.

On how a global sandbox might work in practice, suggestions ranged from a ‘global dictionary’ which covers data needs across different countries to a joint mission statement from participating regulators. As for oversight, the idea of a consortium of representatives from participating regulators has proved popular.

Woolard concedes that the creation of global standards is unrealistic, declaring in a speech that: "The logic is clearly there, but my strong suspicion is that it would take twenty years to negotiate and in a fast-moving market would be nineteen years and six months out of date when we got there."

Instead, he urges work through international bodies such as Iosco, and calls for flexibility to enable regulators to experiment, as well as freedom for some watchdogs to opt in and out of different tests.

Details will now be firmed up, with regulators from Europe, America and the Far East meeting this week to begin work on a blueprint, showing, says Woolard, that "there’s real momentum behind this and we hope that before long the ambition of a global sandbox will be a reality".


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