非银金融机构、金融科技和创新

Nonbank Financials,Fintech and Innovation

按照特朗普政府要求,美国财政部自2017年底开始发布相关报告,梳理当前金融监管热点问题,评估现行金融监管规则有效性和存在的问题,并提出相应改革建议。2018年7月31日,针对美金融科技发展及监管规制问题,财政部专题发布《创造经济计划的金融体系:非银金融机构、金融科技和创新》美国作为该系列报告的组成部分。从报告内容看,美财政部认为,近年来,金融科技的快速发展已深刻地改变金融服务机构及市场格局,在全面提升金融服务质量和覆盖面的同时,也形成新型技术公司与传统金融机构竞争的局面。从全球范围看,各国金融监管部门均积极支持金融科技发展,并探索完善监管体制以平衡鼓励创新和防范风险的关系。美国应对全球金融科技发展及其监管趋势保持敏感,进一步改革现有监管体制,把鼓励创新放到更加重要的位置,提高监管框架的灵活性和适应性。

At the request of Trump Administration, U. S Treasury has published a series of report on the financial regulation initiatives, evaluating the efficecy of the current financial regulations rules in the key areas and putting forward the targeted reform advices. On July 31 th, Treasury released the report, A Financial System That Creates Economic Opportunities :Nonbank Financials, Fintech and Innovation, deeply reviewed the Fintech development and regulation issues in U. S.In this report, Treasury points that the technological advances have altered and reshaped the financial service market. On the one hand, the quality and coverage of financial services were lifted, while on the other hand, more competition arise between traditional financial institutions and new fintech firms that enter the financial service market. With the global view,authorities have been keen in promoting the growth of the Fintech firms and explored innovative regulatory arrangement to accommodate the trend, trying to balance the risks and innovation. Treasury further suggested U. S. regulators should learn more from international approaches and considerations, further enhance the flexibility and efficiency of the exisiting regulatory regime to encourage innovation by U. S. fintech firms.