数字经济时代开放银行发展模式与路径:中英两国对比研究

Development Mode and Path of Open Banking in the Digital Economy Era: A Comparative Study between China and the United Kingdom

开放银行诞生于英国,目前已成为国内业界和监管部门关注的焦点,但缺乏对于国内外市场发展模式的对比研究以及海外成熟市场成功经验的提炼总结。在监管部门的推动下,英国开放银行实现了金融数据的开放共享,发挥出了海量金融数据的内在价值。国内开放银行虽在市场推动下形成了“走出去”和“引进来”两大特色发展模式,但尚未涉及数据层面的开放共享,其本质原因是配套制度体系与规范标准的空缺。监管部门应采取积极主动的监管态度,加快开放银行制度体系与规范标准的制定。商业银行应将开放银行战略提升至全行高度,提升数据治理与信息安全管理能力。科技公司应积极拥抱监管变革,成为商业银行渠道端和价值链的有力补充。

Born in the United Kingdom,the open banking has been widespread concern by the domestic industry and regulators,while the comparative study of its development mode between the domestic and foreign market is insufficient and the summary of valuable experiences in overseas mature market is not enough.With the support of regulators,the British open banking has reached the level of data sharing,unlocking the intrinsic value of massive financial data.Although the open banking in China has found its unique development mode of‘going out’and‘bringing in’driven by the markets,it has not realized the level of data sharing.The direct cause is the lack of related open banking rules and specification standards.The regulators should take a proactive regulatory attitude,accelerating the establishment of rules and standards of the open banking system.Commercial banks should place the strategy of the open banking at the height of the enterprise and improve the ability of data governance and information security management.Technology companies should actively embrace regulatory change and become an important supplement to the channel and value chain of commercial banks.