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国际资讯监管与政策

欧盟多家机构携手发布金融科技监管报告

近日,欧洲证券市场管理局(ESMA),欧洲银行管理局(EBA)以及欧洲保险和职业养老金管理局(EIOPA)联合发布了一份金融科技监管主题报告(FinTech: Regulatory sandboxes and innovation hubs)。

几年前,监管沙盒机制从英国兴起,并不断在全球流行开来,为金融科技创新企业、金融监管机构提供了更多试验、成长和完善空间。

本次发布的这份联合报告对迄今为止在欧洲建立的各类推动金融科技发展的机构进行了详细比较。

在这份文件中,作者认为创新促进机构主要应该分为两类:

  1. 创新中心:企业就金融科技相关问题向当局提出询问的专门联络点。
  2. 监管沙箱:允许企业在权威机构授权和监管下进行产品服务测试的机制。

目前来看,虽然大多数欧盟成员国国家都建立了创新中心,但是成立监管沙盒的确并不多。丹麦、立陶宛、荷兰、波兰和英国已经明确了自己的监管沙盒机制,而挪威、奥地利、西班牙和匈牙利的机制构建工作也正在进行之中。

报告也指出,各国本土化的监管模式可能会阻碍金融科技的跨境发展和监管。为此,报告提议建立一个“创新促进者网络”,改善欧盟各国当局在金融科技监管方面的沟通与协调。

 

A joint report by the European Securities Markets Authority (ESMA), the European Banking Authority (EBA), and the European Insurance and Occupational Pensions Authority (EIOPA), addresses the topic of Fintech Sandboxes, the approach by regulators to partner with emerging Fintech firms by creating a safe place to experiment under the watchful eye of public authorities.

First envisioned by the British several years ago, Sandboxes have become a popular vehicle globally to not only test services but expose regulators to financial innovation. Financial regulators, and policymakers in general, are typically not entrepreneurially inclined.

The report European Supervisory Authorities (ESAs) sets out a comparison of these “innovation facilitators” established to date in the EU.

The report identifies the two main categories of innovation facilitator:

  1. Innovation hubs: a dedicated point of contact for firms to raise inquiries with authorities on FinTech-related issues.
  2. Regulatory sandboxes: a scheme to enable firms to test, pursuant to a specific testing plan agreed and monitored by a dedicated function of the authority.

While the majority of EU member states have hubs (21 Member States and 3 EEA States)  only a few have established Sandboxes.

Regarding Sandboxes, five regulators have operational environments: Denmark, Lithuania, Netherlands, Poland, and the UK. Several are in the works including Norway, Austria, Spain, and Hungary.

As one may expect, the Report discusses the fact that each state has localized regulations that hamper an EU wide approach – an ongoing problem that extends beyond Fintech.

A “network of innovation facilitators” is suggested as a way to improve coordination and communication across the authorities in the EU.

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