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国际资讯监管与政策

瑞士政府推出新版金融科技授权规则

国际资讯监管与政策

瑞士政府推出新版金融科技授权规则

近日,瑞士政府对该国《银行法》进行了修订,其中包括最新的金融科技授权规则,希望借此更好地促进金融科技行业创新。

从2019年1月1日起,符合新许可制度的公司将能够接受高达1亿瑞士法郎(约合1亿美元)的公共资金,前提是他们既利用这些资金进行投资也不支付这些资金的利息。

除修正案外,瑞士联邦委员会还决定将其监管沙箱扩展到众筹借贷行业。根据新规, 此类业务公司将能获得高达100万瑞士法郎的公共资金,这笔资金可用于私人消费以及商业和工业活动。

新的金融科技规则最初是由联邦委员会于2017年2月提出的。其中两项措施,即沙箱的建立和结算账户的延长持有期,于2017年8月生效。但是,知道一年多后,新的授权措施和《银行法修正案》才正式通过并即将落实。

The Swiss government has amended its Banking Act to include new authorisation rules for fintechs in its latest bid to boost innovation in the sector.

As of January 1, 2019,  firms that qualify for the new licencing regime will be able to accept public funds up to CHF100m ($100.2m) provided that they neither invest or pay interest on these funds.

In addition to the amendments, the Federal Council, has also decided to extend its regulatory sandbox to include crowdlending business models. This will allow crowdlending companies to access up to CHF1m in public funds for private consumption as well as commerical and industrial activity.

The new fintech rules were originally proposed by the Federal Council in February 2017. Two of the measures, the setting up of the sandbox and extended holding period for settlement accounts, came into force back in August 2017 but it has taken this long for the new authorisation measures and amendments to banking laws to be implemented.

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