监管是开放银行获得全球接受的最大挑战
监管是开放银行获得全球接受的最大挑战
2019年1月初，法国巴黎银行和Capgemini公司联合发布了一份《世界支付报告》（World Payment Report）的文件，并针对全球各国的关键性监管措施及其发展趋势进行了分析。
报告指出，目前全球对“开放 银行”（Open Banking）的态度都非常积极，但是相关法规和监管框架却非常松散，而这可能成为阻碍开放银行进一步发展的最大挑战。
一般来说，行业监管都是从区域不断扩充完善到全球层面，各国在金融发展的不同阶段，采取的都是适应于本国的方式方法。
如今，开放银行倡议已经落实到美国、澳大利亚、新加坡、中国香港、加拿大、日本、尼日利亚和印度等18个国家和地区，要想在跨境实施统一化监管的确很难。
但是报告依旧建议，应该采用地区带头机构等模式，逐步制定区域性标准，并最终整合为全球化的行业模式。
The World Payments Report by BNP Paribas and Capgemini highlights some interesting trends when it comes to key regulatory initiatives.
Despite general global interest in embracing open banking, we still have a fragmented ecosystem of regulations and frameworks. This is in part because of how they form as it’s the norm for regulatory frameworks to gradually spread from regional up to global levels. Logistically, all of this makes sense. However, the report recommends that someone must develop standards and interoperability measures to harmonise the fragmented global scene.
We can’t say there aren’t any trying right now, but getting a series of different companies and countries to adopt said standards is its own struggle.[Source]
曹巧媚