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国际资讯监管与政策

欧盟委员会监管团队专业性遭Fintech联盟质疑

国际资讯监管与政策

欧盟委员会监管团队专业性遭Fintech联盟质疑

近日,欧洲金融科技联盟(The European Fintech Alliance,EFA)对欧盟委员会新近成立的金融创新监管障碍(Regulatory Obstacles to Financial Innovation)专家团队代表性表示了担忧。

金融创新监管障碍团队是欧盟委员会金融科技行动计划的组成部分。欧盟委员会2018年3月推出了此计划,以带动欧洲金融业竞争与创新。该计划旨在营造有利环境,使金融科技产品与解决方案得以在欧盟范围内迅速推出,使欧盟市场内经济体可规模受益。团队名单上周已公布,包含个人专家与机构组织。

然而团队中仅有一家组织着力金融科技。团队共有14名成员,5位个人,其余成员包括两所大学、安盛、西班牙毕尔巴鄂比斯开银行、巴克莱银行、德国储蓄银行、ING集团、伦敦政经学院及法国金融科技。

由此看来,直接代表金融科技企业的成员只有一位,欧洲金融科技联盟由此担心专家团队将无法获悉小型企业的监管忧虑。联盟主席Marcus Laube表示联盟希望团队成果可向传统机构倾斜。

大型机构与金融科技面临难点不同,联盟的忧虑似乎合情合理。而团队内大型金融机构又不太可能调整己方观点迁就小型企业。此外,两类企业在很大程度上因存在资源与监管义务上的差异而面临的挑战不同,因此团队得出的结论可能并不适用于金融科技。

欧盟委员会应重审其选择,或可吸收能准确代表金融科技需求的成员,使团队更为公允,得以倾听所有诉求。

The European Fintech Alliance (EFA) has voiced concerns about the expert group on Regulatory Obstacles to Financial Innovation recently introduced by the European Commission (EC).

The group was established as part of the EC's fintech action plan, which was introduced in March 2018 to help increase competition and innovation in the European financial sector. It aims to create an environment where fintech products and solutions can be rolled out rapidly across the EU to benefit from the economies of scale of the Single Market. The list of members was released last week, and includes both expert individuals and organizations.

However, there is only one fintech-focused organization represented in the group. The group has a total of 14 members: Five are individuals, and the rest are organizations including two universities, AXA, BBVA, Barclays, the German association of savings banks, ING, the LSE, and France Fintech.

As such, there is only one member that directly represents fintech firms, and the EFA is now worried that the regulatory concerns of small companies will not be heard within the group. The EFA expects the results of the group to be biased toward traditional institutions, according to its chair, Marcus Laube.

These fears seem to be justified, as large institutions and fintechs have very different struggles.It seems likely that the bigger financial institutions (FIs) in the group won't adjust their views to represent smaller players. And, since the two often face challenges that don't overlap, largely because of differences in resources and regulatory obligations, the group may come to conclusions that won't be suitable for fintechs.

The EC should reevaluate its choices here, and perhaps add more members that accurately represent fintechs, in order to make the group less biased and ensure that all voices are heard.


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