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国际资讯监管与政策

英国退欧,欧盟执行副主席力推欧洲金融科技许可

国际资讯监管与政策

英国退欧,欧盟执行副主席力推欧洲金融科技许可

英国目前仍然是全球重要的金融科技中心之一。这在很大程度上得益于政府声援、实行鼓励试验与创新的监管措施,以及极具创业精神的民众。而英国退欧使其金融科技优势面临风险,却同时为欧洲大陆带来了机遇。

上周,负责欧盟金融稳定、金融服务和资本市场联盟(Financial Stability, Financial Services and Capital Markets Union)的欧盟委员会副主席Valdis Dombrovskis接受了《金融时报》的采访。

在采访中他提到,欧洲非常适宜新兴金融科技的发展,在必备技术、创新融资及资本获取度等方面来说均是如此。欧洲称为金融科技创企佳地的所有条件已然完备。但是仍然存在一些障碍,阻碍了企业发展,导致欧盟无法建立数字单一市场,所以许多欧洲金融科技企业转向美国或亚洲发展。因此,应当积极倡导推行泛欧洲金融科技许可,加强创新者、监督方与管理方的互联互动。

许可机制具体内容

Valdis Dombrovskis认为,这个金融科技许可机制应该包括以下几个方面:

集结监管或监督机构与其他相关组织,为试验创新金融科技解决方案、预测风险、促进力图在欧洲发展壮大的金融科技企业顺利运营研究新的方法。

建设新技术与模式相关能力与专长,从而助力监管方或监督方建立初步理解,为期冀在欧洲发展壮大的金融科技企业提供具体建议。此类建议由大批专家提供,或可促进对数据相关政策与准则达成共识与解读。

支持跨境围绕金融科技的生态体系、中心与加速器网络建设,着重助力创企评估监管相关问题,与知名金融或保险企业等其它利益攸关方建立联系,以及识别金融科技创新机遇。

设想可行行动与技术方案,评估监管影响,促进金融领域监管合规。这就尤为牵扯到以分布式账本技术为基的行动,高级监管科技解决方案及算法规则。

预期影响

加强欧洲在金融科技领军力量中的地位,鼓励金融科技试验跨境合作与实践途径,使金融科技企业在欧洲得以发展壮大。

在技术演进与金融科技相关监管与政策,尤其是涉及数据领域发展共识、理解与专业知识。

使欧洲在创新监管、评估监管影响与促进监管合规方面走在前列。

说易行难

欧盟的目标在于允许投资众筹等市场及其他金融科技服务在一国设企即可在全欧洲展开服务。然而如今实际情况却大不相同。每个国家往往都有各自的监管体系,受该国监管机构支持,却未考虑到欧洲大陆的需求。实际上,创制泛欧洲金融科技许可或可被视作检验监管机制有效与否的试金石。需求非常明确,目标却尚不可知,产生的影响对所有人皆有利。

言语虽然响亮,但行动比言语更具说服力。欧盟委员会将提出何种准则,让我们拭目以待。

EU Vice-President Valdis Dombrovskis, whose portfolio includes Financial Stability, Financial Services and Capital Markets Union, spoke to the FT this week advocating on behalf of a pan-European Fintech license. Dombrovskis is quoted in the broadsheet lamenting excessive bureaucratic barriers that challenge Europe today;

"Europe is certainly well placed for new Fintechs emerging, both in terms of the necessary skills, financing for innovation, availability of capital … Everything is there for Europe to be a great place to start Fintechs … [But] too many barriers [prevent companies from growing] … We still don't have this digital single market?.?.?.?and that's why we see many European Fintechs then going to the US or Asia to scale up."

The UK remains the dominant global Fintech hub. This is due largely to a regulatory approach that has encouraged experimentation and innovation, backed by a vocally supportive government, and a population with a keen entrepreneurial spirit. Brexit has put their Fintech prominence at risk.

Of course, continental Europe sees an opportunity in fostering a more entrepreneurial ecosystem in the alternative financial sector. The question is, can Brussels actually create a single European license for Fintechs?

The EU sets out the Fintech challenge and mission as follows:

"Fintech" is at the confluence of various digital technologies, financial areas and the entrepreneurial landscape, with many startups and scale-ups proposing disrupting services. The challenge is to increase the role Europe play in Fintech so that EU startups can better scale-up across Europe and at global level. Facilitating the interactions between innovators, supervisors and regulators is particularly relevant in this context.

Scope

Bring together a group of regulatory or supervisory bodies, and other relevant organisations to investigate new approaches for piloting innovative Fintech solutions, anticipating risks, and facilitating the operations of Fintech firms that want to grow and scale-up across Europe.

Build capacity and expertise regarding new technologies and models to support early understanding for regulators or supervisors and to offer specific advice to Fintech firms that want to grow and scale-up across Europe. Such regulatory advice would be provided by pools of experts. It should in particular support common understanding and interpretation of data-related policies and rules.

Support the cross-border networking of ecosystems, hubs and accelerators focusing on Fintech, in particular to help startups appraise regulatory issues, to engage with other stakeholders like established financial or insurance firms and to identify opportunities for innovation procurements in Fintech.

Envisage possible actions and technical solutions to evaluate the impact of regulation and facilitate regulatory compliance in financial areas. This could concern in particular initiatives based on distributed ledger technologies, advanced regtech solutions or algorithmic regulation.

Expected Impact

Reinforce the position of Europe amongst leaders in Fintech, encouraging cross border collaboration and practical approaches for Fintech experimentation frameworks; enabling Fintech firms to grow and scale-up across Europe.

Develop common understanding, interpretation and expertise regarding technology evolution and Fintech-related regulations and policies, in particular those concerning data.

Put Europe in the lead for innovating in regulation, appraising the impact of regulation and facilitating regulatory compliance.

Easier Said than Done?

The goal is to allow marketplaces, including investment crowdfunding, and other Fintech services to set up shop in one country and operate everywhere across Europe. The reality today is quite different though. Each country tends to have a bespoke regulatory regime championed by national regulators without regard to continental needs. In fact, creating a pan-European Fintech license may be viewed as a litmus test for CMU in general. The demand is clear, the goal is known, the impact is good for all. So what is the problem? Just get it done.

While Brussels attempts to create a cross border ecosystem that truly allows streamlined, low friction pass-porting of Fintech services, the UK will obviously work quite hard to maintain its Fintech crown. The EU expects to have effective cross border Fintech rules in place by next year.

In the end, words count but actions speak louder. Let's wait and see what the Commission comes up with.

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