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国际资讯监管与政策

FCA携手11家机构成立全球金融创新监管联盟

国际资讯监管与政策

FCA携手11家机构成立全球金融创新监管联盟

今年早些时候,英国金融行为监管局(后文简称FCA)曾提议建立一个全球金融科技监管沙盒。

根据这一提议,FCA与11家金融监管机构昨日联合宣布,将正式成立全球金融创新网络联盟(Global Financial Innovation Network,后文简称GFIN)。

据了解,GFIN的三个主要功能包括:

  1. 充当监管机构网络,在各自市场中合作和分享创新经验,包括新兴技术和商业模式;
  2. 为联合政策工作和讨论提供论坛平台;
  3. 为企业提供试验跨境解决方案的环境。

目前,该组织领导小组还在就GFIN的使命声明、拟定职能和优先采取行动的目标领域寻求金融服务公司、金融服务监管机构、技术公司、技术提供商、贸易机构、加速器、学术界、消费者团体和其他热衷于参与GFIN发展的利益相关者的意见和建议。

GFIN会员机构名单

目前的GFIN会员包括:

  1. 阿布扎比全球市场(ADGM),
  2. 法国金融市场管理局(AMF)
  3. 澳大利亚证券与投资委员会(ASIC)
  4. 巴林中央银行(CBB)
  5. 消费者金融保护局(BCFP,美国)
  6. 迪拜金融服务管理局(DFSA)
  7. 金融行为监管局(FCA,英国)
  8. 根西岛金融服务委员会(GFSC)
  9. 香港金融管理局(HKMA)
  10. 新加坡金融管理局(MAS)
  11. 安大略省证券委员会(加拿大OSC)
  12. 联合国扶贫协商小组(CGAP)

GFIN旨在成为金融服务监管机构和相关组织的包容性社区。 该项目的最终成员名单仍有待确定。GFIN欢迎其他有志于参与这一行动的监管机构加入其中。

GFIN此后可能会由几个成员机构组成的管理小组进行监督。指导小组将由其中一名成员机构担任主席,主席的角色等同于协调员。

FCA的全球沙盒意见征询结果

2018年,FCA发起了首份全球金融科技监管沙盒意见征询。截至日期前,FCA共收到50份意见反馈,总体走向积极。其中几个主要的主题包括:

  1. 监管合作:受访者支持这一倡议的想法,即为监管机构合作解决公司在不同司法管辖区面临的共同挑战或政策问题。
  2. 快速进入市场:受访者表示,全球沙箱的主要优势之一可能是缩短将创意带入新的国际市场所需的时间。
  3. 治理:反馈强调了项目对那些希望申请跨境测试的潜在公司透明和公平的重要性。
  4. 新兴技术/商业模式:反馈中强调了广泛的主题和主题,特别是那些具有显着跨境应用的主题和主题。突出的问题包括人工智能、分布式分类帐技术、数据保护、证券监管和ICO、了解您的客户(KYC)和反洗钱(AML)。

The Financial Conduct Authority (FCA) has, in collaboration with 11 financial regulators and related organisations, on 7 August 2018 announced the creation of the Global Financial Innovation Network (GFIN), building on the FCA’s proposal earlier this year to create a ‘global sandbox’.

As part of the consultation, the group is also seeking views on the mission statement for the GFIN, its proposed functions, and where it should prioritise activity. The group is also keen to hear from other interested regulators or related organisations who wish to get involved.

The network will seek to provide a more efficient way for innovative firms to interact with regulators, helping them navigate between countries as they look to scale new ideas. It will also create a new framework for co-operation between financial services regulators on innovation related topics, sharing different experiences and approaches.

The consultation sets out the three main functions of the GFIN:

  1. act as a network of regulators to collaborate and share experience of innovation in respective markets, including emerging technologies and business models;
  2. provide a forum for joint policy work and discussions; and
  3. provide firms with an environment in which to trial cross-border solutions.

We are keen to hear from all interested parties on the mission statement, how this network will work in practice, what this network should prioritise and focus on to encourage innovation in the right way and ideas for how regulators and other stakeholders can work together to take it forward.

We encourage innovative financial services firms, financial services regulators, technology companies, technology providers, trade bodies, accelerators, academia, consumer groups and other stakeholders keen on being part of the development of the GFIN to respond to the questions in the paper.

GFIN Membership

The current GFIN membership is the following:

  1. Abu Dhabi Global Market (ADGM),
  2. Autorité des marchés financiers (AMF)
  3. Australian Securities & Investments Commission (ASIC)
  4. Central Bank of Bahrain (CBB)
  5. Bureau of Consumer Financial Protection (BCFP, USA)
  6. Dubai Financial Services Authority (DFSA)
  7. Financial Conduct Authority (FCA, UK)
  8. Guernsey Financial Services Commission (GFSC)
  9. Hong Kong Monetary Authority (HKMA)
  10. Monetary Authority of Singapore (MAS)
  11. Ontario Securities Commission (OSC, Canada)
  12. Consultative Group to Assist the Poor (CGAP)

The GFIN is designed to be an inclusive community of financial services regulators and related organisations. The eventual membership of the GFIN that take this project forward is still to be determined. The named organisations above are committed to exploring the idea further, but the consultation process will help inform any future involvement. Similarly, regulators not named may decide to get involved in the future, or after the formal launch of the GFIN.

The network may be overseen by a steering group made up of a smaller number of members. The steering group would be chaired by one of the members, the role of the chair is envisioned to be that of a coordinator.

FCA’s Global Sandbox Consultation

The creation of the GFIN follows the FCA’s consultation in February 2018 on the idea of a ‘global sandbox’. The FCA received 50 responses to this consultation. Overall, feedback to the consultation was positive. Key themes to emerge in the feedback were:

  1. Regulatory co-operation: Respondents were supportive of the idea of the initiative providing a setting for regulators to collaborate on common challenges or policy questions firms face in different jurisdictions.
  2. Speed to market:  Respondents cited one of the main advantages for the global sandbox could be reducing the time it takes to bring ideas to new international markets.
  3. Governance: Feedback highlighted the importance of the project being transparent and fair to those potential firms wishing to apply for cross-border testing.
  4. Emerging technologies/business models: A wide range of topics and subject matters were highlighted in the feedback, particularly those with notable cross-border application. Among issues highlighted were artificial intelligence, distributed ledger technology, data protection, regulation of securities and Initial Coin Offerings (ICOs), know your customer (KYC) and anti-money laundering (AML).

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