英国金融数据治理:框架、重点与启示

Financial Data Governance in the UK:Framework,Focus and Implications

金融数据治理的目标是在维护金融系统稳定的前提下充分释放金融数据价值,包括治理愿景、监管体系、基础设施、技术工具等要素,涉及数据归属与确权、数据收集与分析、数据共享与交换等基本环节。英格兰银行和英国金融行为监管局分工协作推进金融数据治理,进行数字监管报告改革、金融业数据收集和使用、数据跨境转移等一系列重大改革,构建了以通用数据标准和现代化报告规则为基础的高效高质金融监管数据收集流程,并通过以监管科技为工具的自我革新为金融产品创新和业态优化提供保障,实现维护金融稳定、促进市场竞争、保障消费者权益的职能使命。这为正在进行金融数据治理现代化建设以助力新时代金融高质量发展的中国提供了重要的政策参考。

The goal of financial data governance is to fully unleash the value of financial data under the premise of maintaining the stability of the financial system,including elements such as governance vision,regulatory system,infrastructure,and technological tools,and involves basic aspects such as data attribution and rights,data collection and analysis,and data sharing and exchange.The Bank of England and the Financial Conduct Authority of the United Kingdom have collaborated to promote financial data governance,carried out a series of major reforms such as digital regulatory reporting reform,financial industry data collection and use,and cross-border transfer of data,and constructed a highly efficient and high-quality financial regulatory data collection process based on common data standards and modernized reporting rules,and through self-innovation with the use of regulatory technology as a tool to provide safeguards for the innovation of financial products and optimization of the industry,so as to achieve the functional mission of maintaining financial stability,promoting market competition,and safeguarding the rights and interests of consumers.This provides an important policy reference for China,which is in the process of modernizing its financial data governance to facilitate high-quality financial development in the new era.