最有看点的互联网金融门户

最有看点的互联网金融门户
国际资讯监管与政策

FCA发布18/19年度规划,重点关注银行与加密货币行业

国际资讯监管与政策

FCA发布18/19年度规划,重点关注银行与加密货币行业

昨日,英国金融市场行为监管局(后文简称FCA)发布了2018/19年度业务计划。

此外,FCA还承诺今年晚些时候发布对金融科技行业的深入审查,内容涉及零售银行业务、众筹、加密货币分析以及推动监管沙盒全球化等多个方面。

FCA表示,有关数字技术对零售银行业务影响的分析与讨论文件将于2018年上半年正式公布。

不出意外的是,加密货币也登上了本次FCA的关注榜单。因为FCA正计划与英格兰银行和英国财政部进行合作,并计划在今年晚些时候发布一份讨论文件,概述其在加密货币领域的政策思路。

就在上周,FCA还发布了关于英国公司使用加密货币衍生产品的声明。声明指出,未经监管机构授权就使用加密货币衍生工具(如差价合约和加密期权或期货等衍生品)的机构和个人可能会因此遭到司法机关的惩罚。

此外,FCA表示,目前正在对其众筹行业进行审查的实施后时期进行评估。2016年,FCA对该行业发布了首个临时反馈意见,此后还持续对这一产业表示关注。

尽管本次规划将重点放在了减少英国脱欧的冲击方面,但是英国政府对金融科技核心地位的立场依然不动摇,而且英国政府希望借此最大限度地降低对这一新兴产业的监管风险。

最后,FCA还希望将英国的监管沙盒计划进行全球化推广。目前,金融科技创企只能在英国范围内进行产品无监管测试,但是随着该产业国际化不断拓展,监管环境也要随之进行更新。目前,已经有机构开始对全球化监管沙盒的框架进行讨论。

The Financial Conduct Authority (FCA) has today published its Business Plan for 2018/19, with a promise to release an in-depth review of the fintech industry later on this year. It’s set to include analysis of retail banking, crowdfunding and cryptocurrencies, in addition to turning the UK’s sandbox into a global effort.

In perhaps a rather significant move for many in the fintech space, the FCA has announced it will be conducting a full-scale review into the differences between emerging and traditional retail banking business models.

In a bid that will put the likes of Monzo and Starling Bank up against incumbent competitors Lloyds and Barclays, the FCA wants to further understand how these differences in technological innovation might be the driving force behind evidence of rising competition, like the declining use of branches over digital channels. An update is expected to be released in the first half of 2018, explaining the results of some preliminary analysis conducted on information already collected from retail banks.

Cryptocurrencies are also high up on the watchdog’s list of interests, as it intends to work with the Bank of England and the Treasury as part of a taskforce to “develop thinking”, with plans to release a Discussion Paper later this year outlining its future policy ideas. Though crypto is not currently part of the FCA’s regulatory perimeter, it has said that “some models of use or packaging cryptocurrencies bring them within our perimeter, making the landscape complex”.

Just last week, the FCA released a statementon the use of cryptocurrency derivatives by UK firms, warning those that aren’t authorised by the regulator to be wary of fines if caught using derivatives like contracts for differences and crypto options or futures.

Additionally, the FCA has said that the post-implementation period for its review of the crowdfunding sector is now underway, after publishing its interim feedback in 2016. Since then, the regulator has been working to address further areas of concern, highlighting loan-based crowdfunding as a particular pain point due to a continually-evolving market.

The final set of new rules are scheduled for publication later this year, as the FCA seeks to support “a sector that can innovate, compete and challenge established firms and business models without putting consumers at unacceptable risk.”

Despite the plan’s focus elsewhere on impact-reducing measures as a result of Brexit, it is promising to see fintech given centre stage so that regulatory risk can be minimised. Andrew Bailey, chief executive of the FCA, said: “The Business Plan is an important way in which we are transparent about our priorities for the year. We recognise that this year we need to dedicate a significant amount of resource to withdrawal from the EU.

The regulator hopes to transform its UK sandbox into a more global function as the year progresses, as firms are currently only permitted to conduct regulatory tests in the UK despite the international nature of fintech. Consultations are happening to decide what a global sandbox might look like, with the promise of “a lot of interest in cross-border testing” that could reduce costs and accelerate expansion for start-ups.


用微信扫描可以分享至好友和朋友圈

扫描二维码或搜索微信号“iweiyangx”
关注未央网官方微信公众号,获取互联网金融领域前沿资讯。

发表评论

发表评论

您的评论提交后会进行审核,审核通过的留言会展示在下方留言区域,请耐心等待。

评论

您的个人信息不会被公开,请放心填写! 标记为的是必填项

取消

CommonStock推出股票与加密货币社交投资平台

Samantha H... | CROWDFUND ... 1天前

日本改革金融监管机构,以更好处理加密货币问题

Ana Alexan... | 鸵鸟创投媒... 07-18

美国监管机构绿灯放行,数字货币或将成为有价证券

Lily Katz 07-18

CFTC发布加密货币投资警示公告

Stan Higgi... | 鸵鸟创投媒... 07-17

CFA新增加密货币和区块链考试内容

Michael Pa... | BLOOMBERG 07-17

版权所有 © 清华大学五道口金融学院互联网金融实验室 | 京ICP备17044750号-1