澳大利亚增强型“监管沙箱”的启示

The Enlightenment of Australian Enhanced “Regulatory Sandbox” to China

金融科技之"双刃剑"属性促使各国监管当局开始探索"鼓励创新"与"防范风险"的平衡之道,"监管沙箱"由此创生。本文系统研究了澳大利亚增强型"监管沙箱"的适用范围、各项准入条件、豁免期限、豁免流程等具体运行机制,并从中提炼出澳大利亚"监管沙箱"对金融监管的有益借鉴。

Fintech has the property of“double-edged sword”,which prompts regulatory authorities in various countries to begin to explore the balance between“encouraging innovation”and“preventing risk”,therefore the“Regulatory Sandbox”has emerged in the process.The paper systematically studies the specific operational mechanisms of Australia’s enhanced“Regulatory Sandbox”,including its scope of application,various access conditions,exemption deadlines and exemption procedures,from which the paper extracts the useful reference for China’s financial regulation.