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国际资讯监管与政策

欧盟金融科技指导意见将于年底发布,或将增设监管沙盒

国际资讯监管与政策

欧盟金融科技指导意见将于年底发布,或将增设监管沙盒

沙盒即一些国家为金融科技公司提供的在面对真实客户进行应用试验的受控环境。英国是欧洲地区首个推出此类机制的国家,业界认为这极大地推动了伦敦金融科技的发展,并使其成为该地区金融科技的中心。

此后,另两个欧盟国家——丹麦和荷兰——也推出了监管沙盒。

然而,明年英国就将脱离欧盟,因此欧盟必须继续加大努力吸引金融科技公司在欧盟内部设立办公场所。

欧盟银行业监管机构(EBA)政策专家Elisabeth Noble说EBA将在十二月推出该指导意见。

据悉,这份正在拟定中的金融科技指导意见将涵盖针对"监管沙盒"和创新中心设计的相关建议

创新中心是一个监管者和金融科技公司可以互相讨论想法的平台,沙盒则让他们能够在真实客户身上测试新产品(比如手机支付),所有这些都无需先经过昂贵冗长的完整授权流程。

Noble说:"我们希望这篇报告能够促成共同更协调的做法,帮助金融科技公司跨境扩大规模,这就需要沙盒和创新中心共同作用。"

今年年初推出的欧盟新跨境支付规定让创企能够获得客户的银行数据以提供新服务。之后对于创设更多沙盒的呼声增加。

德国监管机构Baffin负责人Felix Hufeld说他不希望创企完全不受监管、规避所有金融规定。

她说:"沙盒并不是放松监管。沙盒可以帮助使用合适的工具以促成更适当的做法。这两者都不会带来新权力,只是把现有权力放在一个新的形式中。"

西班牙提出了一些关于创建沙盒的议案,并已开放公众审议。Noble说另两个欧盟国家已经充分准备创建沙盒,但她没有提具体是哪两个国家。

欧盟境内包括英国现有16个创新中心或论坛让金融科技公司和监管者交流讨论想法。

EBA的建议将允许各国根据自己情况适度变更运用。

Noble说EBA的分析目前没有发现欧盟法律有任何阻碍设置沙盒的规定,但一些国家监管者因为缺乏资源还没有做类似分析。

截止2016年5月有约90家企业使用英国金融行为局设立的沙盒测试新产品如加密资产、服务和商业模式

The European Union’s banking watchdog said guidelines being drawn up for nurturing cross-border fintech companies will include recommendations for the core design of a “sandbox” and innovation hub.

The sandbox, or controlled environment some countries offer fintech firms for testing new applications on real customers, was first launched by Britain and is regarded by the sector as having helped London become a major fintech hub.

Just two other EU countries, Denmark and the Netherlands, have sandboxes and Britain’s departure from the EU next year has put pressure on Brussels to step up efforts to encourage fintech firms to set up shop in the European Union.

Elisabeth Noble, a policy expert at the European Banking Authority (EBA), said the watchdog will publish its guidelines in December.

“Our report in December will include an analysis comparing the existing sandboxes and innovation hubs, and recommendations for the core design of a sandbox and innovation hub,” Noble told Reuters in a briefing.

Innovation hubs provide a forum for regulators and fintech firms to discuss ideas, while sandboxes allow them to test new products, such as making payments using a smartphone, on real customers - all without having to go through a costly and lengthy full authorization process first.

“We hope this report will lead to a common and more coordinated approach, to help with cross-border scaling up of fintech firms, which needs sandboxes and innovation hubs working together,” Noble said.

The introduction at the start of this year of new EU cross-border electronic payments rules which allow startups to access a customer’s banking data to offer new services, is driving demand for more sandboxes.

Felix Hufeld, head of German regulator Bafin has said he does not want to give startups “little buckets and spades” to avoid the full panoply of financial rules, but Noble said that would not be the case.

“Sandboxes are not light touch. They can enable the use of appropriate tools for a more proportionate approach, but none entail brand new powers, just existing powers in a new context,” she said.

Spain has made proposals for opening sandboxes, which have been put out for public consultation, and Noble said two other EU countries have detailed preparations for opening sandboxes, but did not say which countries.

There are already 16 innovation hubs or forums across the EU, including in Britain, for fintech firms and regulators to discuss ideas.

The EBA recommendations will allow some space for adaptation to national markets, Noble said.

Its analysis so far has not uncovered any barriers in EU law to setting up sandboxes but some national regulators have not done so because of a lack of resources, Noble said.

About 90 businesses have used the sandbox set up by Britain’s Financial Conduct Authority in May 2016 to test new products like crypto assets, services and business models.


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