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澳大利亚:行业组织建议政府加快Fintech监管沙盒改革

国际资讯监管与政策

澳大利亚:行业组织建议政府加快Fintech监管沙盒改革

此前,澳大利亚政府通过了一项新法案,宣布延长金融科技创企的无牌测试时长,从原先的12个月延长到24个月。

澳大利亚著名产业游说团体Fintech Australia对这项改进表示了极大的赞扬。

该团体负责人Stuart Stoyan表示:“原来的监管沙盒条件过于僵化。只有四家金融科技能够享受规定待遇,而78%的金融科技创企都希望能在未来提高监管沙盒制度的灵活性和范围。”

Stoyan向政府有关部门建议,除了现有革新措施外,政府还应当在以下几个方面进行改革,其中包括:

  1. 扩大ASIC的运作和监管,为金融科技提供更好的指导和支持;
  2. 提高退休金投资和保险上限,减少投资限制;
  3. 增加监管沙盒适用的产品种类;
  4. 确保在ASIC监督下只有真正的新创新企业才能进入沙盒。

Stoyan援引消费者倡导组织CHOICE董事Sophie Turner的发言称,只要能保持客观性,那么监管沙盒对“创新产品”的定义就是可以接受的。此前,香港、新加坡和英国都依据监管沙盒规定对产品的创新性进行测试,而Stoyan认为澳大利亚未来也可以采取类似的措施。

然而Stoyan认为,相比于“维护消费者”利益的条例,澳大利亚政府应当更关注“防止消费者受到损失”的相关内容。

Australia’s top fintech lobby, FinTech Australia, has praised the Australian government’s new bills that would extend license exemptions for fintech start-ups. The amendments would allow eligible fintech enterprises to experiment with new ‘innovative and beneficial’ services from the initial 12 to 24 months without a licence.

“The construct of the original sandbox was excessively rigid in its approach,” said Stuart Stoyan, boss of FinTech Australia, in front of a parliamentary committee. Stoyan laments that only four fintechs have taken up the current sandbox and supports the changes. 78% of fintechs expressed that an expanded and more flexible regulatory sandbox regime is needed in a recent fintech census.

Sharing with committee, Stoyan recounted his own experiences of how it took over 18 months for his marketplace lender, MoneyPlace, to gain regulatory approval. “We spent a considerable amount of time and resources gaining a licence which arguably could have been better spent refining our technology and business model” Stoyan explained, before calling for sandbox to be more robust.

When challenged for further recommendation by the committee in addition to the government bill, Stoyan advocated for stronger changes, including:

  1. Expanding the operation and the regulatory oversight of the ASIC to deliver better guidance and support to fintechs;
  2. Raising the limits of superannuation investments and insurance caps to be less restrictive;
  3. Increasing the variety of products that can be experimented with in the sandbox and;
  4. Ensuring that only genuinely new innovative enterprises are admitted to the sandbox under ASIC supervision.

Referencing the previous speaker, Sophie Turner, a director of CHOICE, a consumer advocacy group, Stoyan agreed that the existing requirements of the sandbox, that products be ‘innovative’ so long it retains a degree of objectivity. Stoyan agreed that the principle of testing whether a product is innovative should be used in Australia. This current precondition exists in Hong Kong, Singapore and the United Kingdom.

However, agreeing with the committee’s chair, he spoke against the requirement of ‘consumer benefit’ in favour of a prevention of consumer detriment. “We would definitely agree that avoiding consumer detriment is a much better lens with which to view this than to say there must be a consumer benefit”, Stoyan noted.

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